Travelling to different cities and countries can be a lasting experience. However while travelling you should prioritise your well-being and safety. A travel insurance policy or travel health insurance policy is a great way to create a safety net for yourself, as it protects you against unforeseen situations that might ruin your travel experience.
You can also boost travel insurance protection by opting for specific add-on covers. These add-on covers, like flight delay insurance, adventure sports cover, emergency medical evacuation, etc., can enhance your overall coverage.
Continue reading to learn more.
Important Additions to Extend Your Travel Insurance Coverage
There are several add-ons made available by insurance companies to extend coverage in travel insurance policies. Below are ten vital add-ons you should consider when you buy travel insurance online.
1. Flight And Trip Cancellation Insurance Add-ons
This add-on reimburses you if your non-refundable flight tickets or other travel-related bookings, such as hotel reservations, are cancelled due to unforeseen circumstances. Circumstances can change without notice.
Therefore, you should consider getting this travel investment to safeguard your travel investment, ensuring unexpected flight or trip cancellations do not create a financial burden.
2. Pre-Existing Illness cover
To further extend your travel insurance medical coverage you can get a pre-existing medical condition cover. Opting for this add-on cover, will ensure that your travel insurance policy covers any medical expenses associated with your pre-existing health condition that may arise while travelling.
3. Natural Disaster Cover
With a natural disaster add-on cover, you can protect yourself in case your trip is interrupted or cancelled due to natural calamities such as earthquakes, volcano eruptions, or hurricanes.
By opting for this add-on cover, you can ensure that your travel investments will be protected in the unfortunate case that your trip is cancelled or interrupted due to natural disasters.
4. Adventure Sports Cover
With adventure sports cover, you can extend your travel health insurance policy coverage to include high-risk activities such as skydiving, scuba diving, bungee jumping, etc., which may not be covered by a standard travel insurance policy.
Suppose you plan to indulge in adventurous activities while on a trip, you should consider opting for this add-on cover. This add-on will ensure that you are financially protected even when you engage in adventurous activities while travelling.
5. Personal Belongings and Baggage Cover
Under this add-on cover, your insurance provider will reimburse you in case your personal belongings, baggage, clothing, and valuables are lost, damaged, or stolen while you are travelling.
Baggage mishaps are common when travelling. With this add-on cover, you will be financially protected in case your valuable belongings are lost, stolen, or damaged while on a trip. This will ensure that you have an enjoyable trip with minimal disruptions.
6. Emergency Medical Evacuation and Repatriation
With an emergency medical evacuation and repatriation cover, your insurance provider covers all the expenses associated with evacuating you to the nearest hospital or repatriating you to your country in case of a serious medical emergency.
By opting for this add-on cover, you can be assured that you will get proper medical treatment, even if it requires you to be evacuated to a certain medical facility or repatriated to your home country.
7. Delayed or Missed Flights
If your flight is delayed or you miss a flight due to the airline’s fault, this add-on will cover all the expenses that may arise due to this unfortunate situation. This may include accommodation expenses, travelling expenses, etc.
8. Fraudulent Charges
If your credit/debit card is stolen while travelling, it can be used to make unauthorised transactions. This add-on cover in your travel insurance policy will ensure the reimbursement of all fraudulent charges. It is important to note that you must report this issue within 12 hours.
9. Hijack Allowance
Experiencing hijacking can be a stressful situation for anyone. Some insurance companies offer a hijack allowance in the unfortunate case that your flight gets hijacked. You must look for this addition while choosing a travel policy to boost travel insurance coverage.
10. Automatic extension
The length of your trip usually determines the terms of your travel policy. However, suppose your trip gets extended due to delayed or cancelled flights, natural calamity or medical emergency. In that case, this add-on cover will automatically extend the term of your travel insurance policy.
Tips on How to Choose the Right Add-ons for a Comprehensive Travel Insurance Policy
Evaluate Your Requirements
To choose the right add-on, you must assess your travel activities, potential risks and overall plans. Further, select add-on covers that align with your unique requirements to ensure adequate travel insurance coverage for trips.
Check the Existing Coverage
Before opting for an add-on cover, check the coverage provided by the existing travel insurance policy. This will help you avoid buying duplicate coverage.
Policy Limitations and Exclusions
When choosing an add-on cover, you must check the limitations, conditions, and exclusions of each policy. This will help you ensure that the add-on coverage meets your expectations.
To Wrap It Up
With a travel insurance policy, you can protect your travel investments and enjoy your trip with peace of mind. You can customise your insurance coverage to fit your travel requirements or preferences by choosing suitable add-on covers.
Remember that each trip is unique, and therefore, travel insurance requirements may vary accordingly. Thus, before choosing an add-on cover, assess your travel requirements and choose accordingly.
