Road trip travel insurance: All you should know

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The Covid-19 pandemic has disrupted travel plans of people across the globe. However, there is a ray of hope with the speedy vaccination programme initiated by the government. Once a large number of people are vaccinated, travel and vacation will start full steam. With precautions some travel destinations are already open for tourists. For many road trips are one of the most favourite ways of travel. In this pandemic situation, it is also important to have adequate travel insurance to cover road trips.

Trip delays

There are a lot of reasons that might delay your trip. This situation may cause issues, especially if you have pre-booked non-refundable vacation packages. In such situations, your insurance company may reimburse the loss to some extent. A cancellation cover also makes up for the prepaid costs of hotel booking and car hires.

Accident and injury

If you have bought good road trip travel insurance, it will take care of medical emergencies such as an accident, injury or any damage caused to a third party involved in an accident.

Hospitalisation

During a road trip one can face a lot of medical emergencies and due to which one can be hospitalised. Road trip travel insurance also covers the expenses of hospitalisation in case of sickness or an accident.

Coverage period

Generally, travel insurance policies provide coverage from the day of your first check-in at a hotel. But when it comes to road trips one should purchase a policy that covers from the moment you leave your driveway. Road trips take time and you need to be covered for the entire way.

Loss of belongings

Loss of belongings is a common woe when it comes to travelling. Travel insurance covers your checked-in baggage and important documents.

Irdai suggestions

Irdai, the insurance regulatory body of the country, has given some tips to general people while buying travel insurance. According to them, plan for your travel insurance ahead of time just as you plan other things.

Not only that, take care to fill in the proposal form completely and truthfully after getting the necessary medical tests done and obtaining the medical report as required. If you hide any medical condition, it might become a headache for you if you have a claim to make.