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Travel insurance isn\u2019t something you book on the side. It is one of the must-have components of your dream holiday. Here\u2019s why<\/em><\/p>\n When we plan our annual holiday, things start with a budget in mind and seeing what destinations can \u2018fit\u2019 into it. While you plan out for everything from shopping to flight tickets, the one thing you can\u2019t afford to cut corners on is travel insurance.<\/p>\n When we play it in our mind, missing luggage and being stranded during a natural calamity are things that happen to others. You are in the midst of the euphoria of vacation planning and thinking of a worst case scenario is such a dampener. So our mind is programmed to brush aside these thoughts as being \u2018paranoid\u2019. Besides, why fork out additional money for insurance for something that many not be needed at all.<\/p>\n Several people who were in Havelock and Neil islands when cyclone Vardah hit Andaman were stuck there for 4-5 days. The media to an extent overplayed the news of the people being \u2018stranded\u2019 and \u2018rescue\u2019 ships not being able to reach them.<\/p>\n Here\u2019s what popular travel insurance in India can cover for you<\/strong><\/p>\n Health cover: While we don\u2019t expect to fall sick during a vacation but the change in the weather and food can trigger a condition if you are unlucky. From unexpected medical tests and surgeries to dental treatments and transportation during an illness, there are schemes that cover the most heavy expenses you are likely to incur.<\/p>\n Inconvenience caused during a trip: The Vardha incident was an inconvenience to say the least. People in Havelock were told to stay put in their hotels for their safety. They were lucky that things were managed well by the local authorities. From loss of baggage and documents to reimbursement for emergency purchase of clothing and toiletries, your travel insurance can ensure that you are at least compensated for the trouble you have undergone<\/p>\n Home insurance: In a unique twist, this term in the insurance policy insures your home from a house break, fire or related incidents while you are away on a vacation.<\/p>\n Automatic extension: Your insurance period will be automatically extended for a period of 7 days when you have an unexpected delay in your holiday<\/p>\n Personal liability: Your will be covered to a certain limit if you become a legal liability to a third party during the vacation<\/p>\n Personal accident: The one scenario that we never want to think \u2013 You will be covered if you meet with an accident during the vacation<\/p>\n Repatriation of remains: Again, this is an extreme case insurance but it is there in the policy because there have been cases that have needed it.<\/p>\n In India, you can see quite a bit of these requirements covered by standard travel insurance policies from Royal Sundaram<\/a> and ICICI Lombard<\/a> . As always, it\u2019s best to read the fine print on what\u2019s covered and what\u2019s not before you buy.<\/p>\n![\"\"](\"|!|vcvUploadUrl|!|\/2018\/12\/travel-insurance.jpg\")
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