As­sur­ance with lim­it­less cov­er­age

TravTalk - Middle East - - AGENTS -

Many credit cards have travel in­surance embed­ded in their plans. Arijit Mun­shi, Gen­eral Man­ager, Tune Pro­tect, Europe, the Mid­dle East and Africa (EMEIA) and Gu­ru­raj SA, Gen­eral Man­ager, Sur Trav­els, shed light on the im­por­tance of a cor­rect travel in­surance plan.

Does a trav­eller credit card of­fer full pro­tec­tion be­fore, dur­ing and af­ter travel?

A credit card travel pro­tec­tion plans can pro­vide in­surance cov­er­age for some key events, pro­vided the trav­eller has used his/her per­sonal credit card to pay for the travel. Fur­ther, cov­er­age ben­e­fits and lim­i­ta­tions vary widely de­pend­ing upon the card is­suer and the in­surance part­ner. Credit card with travel pro­tec­tion plans usu­ally come free of cost and there­fore, ben­e­fits are lim­ited. So, in­stead of re­plac­ing the travel pro­tec­tion plan, the trav­eller can use these com­pli­men­tary ben­e­fits. Be­sides, trav­ellers must not ex­pect credit card travel pro­tec­tion plans to cover all the stan­dard con­tin­gen­cies of the trip.

What if the trav­eller can­cels travel mid-way?

Ex­pe­ri­enc­ing hic­cups dur­ing travel is rare and un­for­tu­nate. Tune Pro­tect travel as­sur­ance be­fore, dur­ing and af­ter is one such plan that caters to such emer­gen­cies. The travel pro­tec­tion plans in­cludes ben­e­fits for trip de­lays, trip in­ter­rup­tions and trip can­cel­la­tions or even a ter­ror­ist in­ci­dent at the des­ti­na­tion. How­ever, such events should not stop trav­ellers from trav­el­ling. The travel as­sur­ance plans, in part­ner­ship with lo­cal in­surance part­ners, will cover trip can­cel­la­tion be­cause of a ter­ror­ist in­ci­dent at the des­ti­na­tion. Fur­ther­more, the trav­eller will be cov­ered for med­i­cal and hos­pi­tal ex­penses.

What is your key ad­vice for trav­ellers when it comes to travel pro­tec­tion pro­grammes?

Travel in­surance is a must for any trav­eller — be it for busi­ness or leisure. The travel pro­tec­tion plans must have enough pro­tec­tion for trav­ellers against var­i­ous un­cer­tain­ties that may ruin a pleas­ant en­joy­able trip. Be­fore in­vest­ing in a travel cover, a trav­eller should al­ways re­mem­ber the ter­mi­nol­ogy, iden­tify the cov­er­age types, know the ex­clu­sions, re­view the cov­er­age and un­der­stand the claim­fil­ing process. The most im­por­tant fac­tor is to pur­chase a travel as­sur­ance cover im­me­di­ately af­ter fi­nal­is­ing and pur­chas­ing travel prod­ucts be­fore com­mence­ment of the jour­ney.

If the trav­eller has not con­sulted a doc­tor be­fore can­celling the trip due to ill­ness, will that cre­ate a hin­drance with the travel cover?

Pre-ex­ist­ing med­i­cal con­di­tion, un­der most poli­cies, will not be cov­ered un­less de­clared. How­ever, most in­surance providers have a list of pre-ex­ist­ing med­i­cal con­di­tions that are cov­ered too. It is im­por­tant to be trans­par­ent with one’s in­surance provider and in­form them about any ail­ments that the trav­eller may have prior to trav­el­ling. And trav­el­ing with­out declar­ing is not ad­vis­able.

Arijit Mun­shi Gen­eral Man­ager Tune Pro­tect EMEIA

Gu­ru­raj S A Gen­eral Man­ager Sur Trav­els

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