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Travel Insurance Myths That You Shouldn’t Believe

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While some consider travel insurance a necessary expense for their trip, most consider it unnecessary.

The vast majority of the population considers travel insurance an unnecessary expense for various reasons, including the assurance that nothing will go wrong on vacation, the difficulty in resolving or registering a claim, etc. These and numerous other myths contribute to the need for more understanding regarding the importance of international travel insurance policies. 

  • Nothing Can Happen While Travelling

It is one of the most prevalent myths travellers believe to be true. You may have taken several domestic and international travels without experiencing untoward or unexpected incidents. A missed flight, the theft of a passport, or the cancellation of a trip due to unavoidable circumstances are a few of the minor reasons why a travel claim is required.*

  • “My domestic health/life insurance policy covers me.”

Many individuals forego online travel insurance because they mistakenly believe that their health insurance policy will cover them in the event of an ailment abroad. This could be further from the truth.*

  • ‘Collecting Claims Can Be An Impossible Task unless it’s a Natural Disaster’

Another widespread misconception about travel insurance from India is that it is only possible to receive the claim amount if something catastrophic has occurred. An efficient travel insurance policy should make filing and collecting claims for any event covered by the policy, such as cargo loss, trip cancellation, etc., simple and hassle-free.*

  • “Travel Insurance Is Only For Thrill-Seekers”

A prevalent misconception among travellers is that a travel insurance policy is only for those who plan to engage in high-risk activities such as skydiving, bungee jumping, rock climbing, etc. Travel insurance policies are tailored to satisfy the coverage requirements of a wide range of travellers.*

  • “I May Purchase Travel Insurance Later”

Travel insurance will follow your summer vacation bookings. What if you’ve purchased your trip, including the aircraft ticket, and are relaxing and planning? A week before the commencement of your journey, your travel buddy gets hospitalised due to an accident. Now what? Postpone the trip? What about your weeks-old airline and hotel reservations without travel insurance? With the help of the travel claim on your insurance, your trip cancellation feature would have covered your pre-paid vacation expenses.*

  • “The Airline Will Cover Me If My Flight Is Delayed Or Cancelled”

So, you missed your connecting flight home because the previous flight was delayed by an hour due to bad weather. In this instance, you should not expect reimbursement from the airline. Unless the reason is severe, an airline will unlikely reimburse you for a purchased flight ticket. On the other hand, travel insurance from India will cover the cost of your flight ticket if your flight is cancelled/delayed for any reason.*

  • “Any travel insurance policy does not cover my pre-existing medical condition.”

You will be astonished to learn that most travel insurance policies cover pre-existing medical conditions. A travel insurance policy will provide coverage for several  pre-existing medical conditions. However, there may be conditions attached to this feature.*

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*Standard T&C Apply

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.

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