“Travel insurance has evolved beyond merely covering flight disruptions and lost items,” explains Vivek Chaturvedi, CMO and Head of Direct Sales at Go Digit General Insurance. “A robust plan offers greater security, encompassing medical emergencies, activity-related injuries, and even unplanned pet care costs.”
Medical assistance without hospitalization
Not every medical issue results in hospitalization, yet they can still incur significant expenses while abroad.
Some plans, like Digit’s travel insurance, provide outpatient treatment coverage, enabling travellers to claim medical costs for minor injuries or ailments that don’t necessitate a hospital visit.
Adventure sports included
Are you planning to scuba dive or bungee jump during your holiday? Standard policies might exclude high-risk activities. However, some options, such as Digit’s Double Secure Plan, offer Adventure Activity Coverage, which manages medical emergencies from these activities—if completed within 24 hours and under professional supervision.
Extended pet care
Pet owners often fret about their pets if their return home is delayed. With Digit’s Double Secure Plus Plan, travellers can reimburse expenses for prolonged pet boarding in the event of delays caused by medical emergencies or natural disasters.
Upgraded comfort post-treatment
If a traveller becomes ill or injured during their journey, returning in economy class may not be practical. Some plans allow for an upgrade to business class for a more comfortable journey home, particularly after medical treatment.
Coverage for pre-existing conditions
One of the most frequently overlooked advantages is the inclusion of pre-existing conditions.
While many policies exclude them, certain plans like Digit’s Double Secure and Double Secure Plus provide limited coverage for such conditions—subject to terms and insured limits.
Additional hidden benefits to consider
Beyond the examples mentioned, travel insurance can also address:
- Trip cancellations due to political disturbance
- Loss of passport and associated replacement costs
- Emergency evacuation during natural calamities
- Personal liability coverage if you unintentionally cause damage or injury while abroad
Each insurer and policy possesses different stipulations, making it essential to scrutinize the fine print.
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