There are different reasons why we decide to travel. It can be a pleasure trip, a business trip, or a study trip. We always want everything to go peacefully and without any trouble. As it is very well known that we cannot predict what is going to happen the very next minute, there are possibilities for some occurrences, which are unexpected how much ever we plan for a safe journey.
Some of these unfortunate events that may occur are baggage loss, loss of passport, theft or even can be a medical emergency or an accident. By having a Trip Insurance, you can protect yourself from such perils. Trip insurance ensures that you are not left stranded in the unknown foreign country during emergencies.
The cover for trip insurance begins from the day that is specified by you in the policy schedule. Even the time that you have specified for the cover to start plays a vital role.
The insurance cover terminates on the day the insurance period ends. Insurance period is the time period you are covered for which you have paid the premiums. There are definite terms and conditions, which have to be followed in trip insurance.
It is advised to carry the policy documents along with you as it will be very helpful in case of emergencies to make a claim. Many a times a copy of the policy is also sent to you via email to avoid any inconveniences.
Trip Insurance usually requires medical examination.
The policy holder must go through a medical under writing at the outset of the policy. There is specific list of hospitals or doctors or clinics where you have to take the medical test. However the tests that are made should be verified by a certified M.D. registered under the Insurance Company.
There are three major tests that need to be conducted. The three checks are urine test, blood test and the ECG. The requirement of these checks may vary from one company to other, which depends upon the case. These tests are done before the journey starts and is the normal procedure followed by all insurance companies.