Your upcoming trip to India is bound to be one of the most satisfying and colorful life experiences you have ever had! This country is rich in culture, people, and adventures, and you’ll come away from it with lifelong memories.
Don’t travel to India without this one thing… if you do, you may regret the decision. What is it?Something simple, inexpensive, and yet neglected by many travelers: travel insurance.
Why you need it
If you get sick while you’re abroad, you won’t have much to protect you except your own bank account. Even if you have plenty of money, medical costs can add up quickly, particularly if you want to fly back home or need to have a relative come stay with you. Similarly, if your flight gets canceled, you’ll be stranded until you can buy a ticket unless you have travel insurance to protect you.
Types of travel insurance
There are two common types of travel insurance: basic and extended protection plans. The basic plan is just what it sounds like – mostly protection against medical disasters, and the coverage is somewhat limited. It may cover something like a hospital stay, but it might not pay for someone to fly out and stay with you, or for airlifting back home if you need it.
Extended travel insurance tends to cover these expenses, along with having more generous allowances for things like hospital meals, semi-private rooms, and so on. You will also benefit from various protections like flight cancellation insurance or lost baggage allowance so you can replace items you need if your bags are lost.
How much you’ll pay
The cost of travel insurance will depend on the amount of time you intend to spend in India, whether you’re traveling to any other countries before or afterwards, the level of protection you require, and the amount you have to pay as a deductible.
Travel insurance brokers can help you determine the cheapest option for travel insurance, and you can cut down on the costs by going with only a basic travel insurance plan if you’re fine with dealing with additional hassles and complications on your own. Paying a few dollars more for an extended plan is usually worth it, however.
Tips for Buying Travel Insurance
Always make sure you specify the correct start and end date for your insurance plan – the day you fly to India and the day you return. It will not cover you if you extend your vacation unless you have notified them and your insurance plan allows for this.
Check for pre-existing condition coverage if you have any current medical problems that might flare up while you travel to India, and read the terms and conditions carefully to know what will be covered and what won’t if you decide to try risky adventure traveling.
Travel insurance is an absolute necessity when you travel to India. Don’t let yourself be caught unprepared when dealing with emergencies that might crop up; purchase travel insurance ahead of time to make sure you’ll be protected in a crisis.
Guest post contributed by Elizabeth Bailey on behalf of Silver Silver Star Motors. Elizabeth is an automotive freelance writer. She has worked extensively in car design and writes for various online automotive blogs.
Written by : Elizabeth Bailey