Travel Insurance: Everything You Need to Know
Why Travel Insurance?
Travel insurance is essential to ensure a safe and secure journey. It provides coverage for unexpected events such as medical emergencies, trip cancellations, lost luggage, and more, giving you peace of mind while traveling.
Is Travel Insurance Compulsory?
While travel insurance is not always mandatory, it is highly recommended. Some countries or specific types of visas may require proof of travel before entry.
Medical Emergencies Abroad
In case of a medical emergency abroad, you can contact your travel insurance provider’s emergency assistance service. For instance, Travel Sure, in collaboration with International SOS, offers a dedicated call-collect number (+97146018824) for international healthcare services.
Refundability of Travel Insurance Policies
Travel insurance policies vary in terms of refundability. It’s important to check the terms and conditions of your specific policy. Some providers may offer a refund if you cancel within a certain period after purchase.
Changing Travel Dates
If you purchased travel insurance but the embassy issued you a visa for future dates, many travel insurance policies allow you to adjust the travel dates if your trip is rescheduled. Contact your insurance provider to update the policy to reflect your new travel dates.
Coverage for Pre-Existing Conditions
Most travel insurance policies exclude coverage for pre-existing conditions. However, some policies might offer limited coverage or specific plans that include pre-existing condition coverage. Review your policy details or discuss with your insurance provider for clarity.
Secure Your Overseas Trip with Travel Medical Insurance
Travel Sure offers enhanced travel insurance policies tailored for Schengen states and worldwide destinations, covering up to USD 100,000 for medical expenses abroad. This comprehensive coverage includes both hospitalization and outpatient treatment, ensuring a stress-free journey.
In collaboration with International SOS, Travel Sure provides international healthcare services through a dedicated call-collect number (+97146018824), available from anywhere in the world.
Sign Up with Travel Sure and Avail Free Assistance Services!
- Telephone Medical Advice
- Medical Service Provider Referral
- Arrangement of Hospital Admission
- Worldwide Consulate and Embassy Referrals
- Medical Translation Services
- Delivery of Essential Medicine
- Arrangement of Emergency Medical Evacuation and Repatriation
- Arrangement of Compassionate Visit
- Arrangement of Return of Minor Children
- Arrangement of Accommodation
- Interpreter Referral
- Lost Luggage and Passport Assistance
- Legal Referrals
- Emergency Travel Service Assistance
- Emergency Document Delivery
General Policy Exclusions
Travel Sure will not cover claims resulting from:
- Medical expenses arising from pre-existing conditions.
- Traveling abroad to obtain medical treatment for accidents, illnesses, or pre-existing conditions.
- Medical evacuation or repatriation if the condition is not serious and can be treated locally.
- Childbirth, miscarriage, or pregnancy-related expenses.
- Participation in professional/extreme sports or unscheduled flights.
- Self-induced injuries, suicide, drug or alcohol abuse, or sexually transmitted diseases.
- Unlawful acts.
- Claims on a multi-trip policy where one claim has been made, leading to policy expiration for the remaining duration.
- Stays longer than 30 days per trip in a one-year multi-trip plan for those over 65 years old.
COVID-19 Coverage
Travel Sure covers necessary and reasonable emergency medical expenses for hospitalization abroad due to COVID-19, under specific conditions:
- Policy must be issued on or after August 11, 2020.
- Coverage is valid only with a negative COVID-19 test result taken within 96 hours before departing from Pakistan.
- Coverage is within the overall sum insured for emergency medical expenses and is not an additional amount.
- Hospitalization is covered if a government-authorized center abroad confirms a positive COVID-19 test result.
- Positive COVID-19 test abroad covers screening/test expenses.
- Follow-up treatment is covered if a subsequent test is positive and prescribed by a recognized hospital.
- Medical evacuation and repatriation are included within the COVID-19 coverage limits.
- All COVID-19 claims are on a pay-and-claim basis, reimbursed in PKR at the insured’s local bank account in Pakistan or via cheque.
- This benefit is one-time for the entire policy period.
Table of COVID-19 Coverage
S.No | Plan Name | Coverage Limit |
---|---|---|
1 | No Icing | USD 2000 |
2 | Majestic | USD 2500 |
3 | Majestic Plus | USD 3000 |
What Is Travel Insurance?
Travel insurance provides financial protection against various travel-related issues, such as lost luggage, medical emergencies, trip cancellations, and more, ensuring a safer and stress-free travel experience.
Is Pakistan Covered by Travel Insurance?
Yes, Pakistan is generally covered under worldwide travel insurance policies. However, coverage may be restricted if traveling to areas advised against by the Foreign, Commonwealth, and Development Office (FCDO). Always check the specific terms and conditions of your policy.
Conclusion
In conclusion, travel insurance is a vital component for a secure and stress-free journey. It provides essential coverage for unexpected events, including medical emergencies, trip cancellations, and lost luggage. While not always mandatory, it is highly recommended for all travelers. Policies like those from Travel Sure offer comprehensive protection and assistance services, ensuring you’re covered in various situations. Always review the terms and conditions to understand the coverage details and exclusions, and choose a policy that best fits your travel needs.