Why is It Critical to Buy a Travel Insurance Policy When Travelling Abroad?


Travel insurance offers comprehensive coverage against medical and financial emergencies while traveling abroad. Several travel insurance policies protect international travel.

Kindly have a look at popular online policies, like the Bajaj Allianz travel insurance plan, that may provide benefits such as loss or delay of checked-in baggage, loss of essential documents such as passports, personal accidents, unique features such as personal liability and personal accident coverage, reimbursement in the event of hijacking-related distress, and coverage for financial emergency assistance.


Before traveling abroad, it would be wise to purchase international travel insurance online or offline for the following reasons: –

1. You might get sick or injured: With late-night flights, shifting time zones, air conditioning, temperature fluctuations, and various cuisines, the likelihood of becoming ill when traveling can be high. There might also be the possibility of getting hurt.

You cannot rule out becoming critically ill while traveling, which could necessitate hospitalization, even if the country you visit requires you to get immunized against specific diseases in advance.

Additionally, travel health insurance covers health coverage for medical bills, dental care, hospital transportation, and a daily hospital allowance. A policy like Bajaj Allianz travel health insurance would be a blessing. *

2. When you need to cancel or alter your trip before departure: This can occur if you or a family member become unwell or a natural disaster occurs, leaving you with little alternative except to cancel or alter your planned trip.

Balancing pre-paid travel arrangements frequently might be expensive. When you get international travel insurance online or offline, you have the peace of mind that, in an emergency, you may not have to worry about the financial ramifications of canceling or changing your plans. *

3. When your travel arrangements fail: People have pre-planned itineraries when traveling, particularly to faraway nations. These schedules are interdependent, like a house of cards, and even a minor deviation from the plan can disrupt the entire journey.

This change may result from a canceled flight or some other factor. With international travel insurance, you may not have to be financially responsible for altered travel arrangements. *

4. Your luggage gets lost or is delayed: Misplaced luggage can be extremely common. Although the likelihood of it being yours can be low, it might be prudent to be prepared for the worst.

The majority of travel insurance policies cover delayed baggage. They may assist you in locating your lost luggage and compensate you for any money spent on necessities such as clothes, shoes, etc., so you can enjoy your trip.

Even if your luggage gets lost, the insurance compensates you for the lost items. Policies like Bajaj Allianz travel insurance cover baggage loss and baggage delay. *

5. Your passport is lost: Losing your passport and other important travel documents while overseas can be a nightmare. However, suppose you have travel insurance that covers this. In that case, the insurance company assists you in getting a new passport and other essential documents and reimburses the cost of a new passport. *

* Standard T&C Apply

Travel insurance may seem unnecessary to most people, and many travelers often question, “Why should I purchase travel insurance?”.

Travel insurance protects against a variety of unforeseen circumstances. For starters, international travel insurance is mandatory for travel to most countries. Hence, it would be unquestionably a wise decision to purchase travel insurance.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.’