Sign In
For assistance with claim related queries in the CYCLONE affected regions of Tamil Nadu, Andhra Pradesh, and Kerala, please click here

Advantages and Disadvantages of Overseas Travel Insurance

Advantages of overseas travel insurance are complete protection as well as a sense of security, while you are on a foreign land. And the disadvantages of travel insurance are the huge expenses that may possibly end up being unneeded. The writer tells you more about the two sides of travel insurance i.e. pros and cons.

While there is no second opinion on family vacations being a matter of enjoyment, yet it is important to note that no getaway or outing is free of risks and/or accidents. When one plans to go on a tour, be it with family, friends or alone, he/she wishes to treat his/her eyes with wonderful landscapes, taste different cuisines, experience diverse traditions, etc. However, if the person, by any chance, comes across an unexpected accident, emergency or crisis like situation, his/her whole trip turns out to be a waste. Therefore, do not let your vacation turn a mood-spoiler, plan a travel insurance before you step out for your trip.

Advantages of Travel Insurance:
  • ​Basically with a travel insurance policy​ in your pocket, when you are travelling abroad, even under the awry situation you tend to maintain the calm because you don’t need to worry about the finances to meet your losses.
  • Therefore, when you are planning to travel abroad, it is important to consider the basic safety area of your own care-free vacation. The most simple protection alternatives of travel insurance include healthcare insurance coverage along with fast and effective transportation back to your country of origin. (You certainly don’t wish to spend money for an urgent situation helicopter trip!) Most of the insurance policies include protective cover against trip cancellation, missing checked-in luggage as well as other potential casualties.
  • In case you are spending thousands on a luxury cruise that might be spoiled by sickness or traveling in foreign countries, healthcare travel cover is regarded a sensible expenditure. The majority of medical health insurance plans do not cover out of country medical expenses.
  • Points you should consider:
a. All actions you engage in
b. Your travel locations
c. The travel season that you will be touring
d. Your physical health
e. Any specific prescription medications you need​


Disadvantages of travel insurance coverage​


  • What exactly is not a part of travel insurance policy can be an area of concern for some individuals. There are a number of insurance providers who offer travel insurance products. 
  • Tour agencies generally provide you with travel insurance policies, but a majority of people think it is advisable to research prices in advance to evaluate prices as well as insurance coverage. Indeed, these kinds of agreements could be lengthy, however, it’s crucial that you really know what is protected as well as things which are not. You may get a bit disappointed in the beginning while considering the “cons” of buying travel insurance. 
  • Apart from the expense of travel insurance, the following technicalities are regarding several travelers.
  • You will find specific things that will not likely be protected:
a. Modifying your thoughts for personalized purposes
b. Occurrence of war
c. Pre-existing health concerns
d. Harm by customs
e. Self-induced sickness​

  • In case you leave the country by means of helicopter or private plane in the course of an urgent situation, a reimbursement for the same probably will not follow. At the same time, some other insurance policies do cover up acts of terrorism, when the incident leads to miss out on your preferred approach of take a trip. However for most travel insurance policies, pre-existing health conditions are not protected. A few insurance providers are likely to make exceptions, however, with conditions hooked up; for instance, the insured person needs to be declared symptom-free for specific time period.​