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Imagine yourself on a vacation in a foreign country. You have everything falling in line, but then at the last minute, you get sick resulting in hospitalisation. The treatment cost made a dent in your pocket throwing a wrench in your plans. The good part is if you have an international travel insurance policy then such hospitalisation expenses are taken care of so that your travel plans can go off without a hitch.
Not only medical emergencies, there are also been other risks that are covered by overseas travel insurance such as delayed flights or the loss of baggage.
Here are some of the additional risks that are covered by your overseas travel insurance:
Dental treatment
Dental treatment could be very expensive in foreign countries, especially the USA. If there is any dental injury during the plans then many international travel insurance plans cover the expenses related to dental treatment.
Loss or delay of baggage
Loss or delay of the baggage is the last thing you want on your trip. Still, such incidences are very common but to protect you from such risks the international travel insurance policy covers loss and delay of checked baggage.
Loss of passport
The thought of losing a passport can be a nightmare for many. The overseas travel insurance realising the need to cover the costs involved in issuing a new passport.
Personal accidents
Overseas travel insurance also covers personal accident expenses if any accident happens during the trip.
Personal liability
Your travel insurance plan covers expenses towards third-party bodily injury or property damage that occurred accidentally during the trip.
Hospital daily allowance
There are also plans that offer you daily hospital allowance to cover expenses that are not included under the policy. The pre-determined amount of daily cash is given for a certain number of days
Hijack distress allowance
There have been instances in the past where planes got hijacked. Overseas travel insurance covers that risk too by offering a distress allowance in case of a plane hijack.
Repatriation of mortal remains
If unfortunately, the insured person dies while on the trip abroad, then overseas cover reimburses the cost of the transportation of the mortal remains back to the country.