FAQ GUEST INSURANCE. How Does Trip Cancellation and Interruption Coverage Work?

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Chastity Boone
5 years ago
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1 FAQ GUEST INSURANCE Is Kesari an Insurance Agent? Kesari is a Facilitator and not a Insurance Agent. Why should a Traveler Buy Travel Insurance? 1.Travel insurance gives travelers coverage for unforeseen problems, from a cancellation of flight to serious illness. 2. Schengen country (many countries of Western Europe constitute the Schengen countries) consulates insist on having travel insurance with a minimum of $37, coverage. 3. In most of these countries medical care is not subsidized by the government, and medical bills can easily exceed thousands of dollars which patients have to pay by themselves. 4. Carrying huge foreign currency for such unforeseen medical reason is not advisable. 5. Most people in these countries have some form of health insurance, however these insurance policies are not available to visitors. 6. Along with medical coverage, these travel insurance policies also provide coverage for baggage loss, baggage delay, loss of passport etc. How Much Does Travel Insurance Cost? The cost of travel insurance is based, in most cases, on no of days and the age of the traveler & coverage amount. How Does Trip Cancellation and Interruption Coverage Work? It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason. What kind of coverage are included in travel insurance? Some typical coverages include the following: 1. Coverage for medical emergency; dental emergency; other health-related expenses (often including medical evacuation coverage) 2. Coverage for travel interruptions, delays and cancellations 3. Coverage for missed connections 4. Coverage for vacation and trip cancellation 5. Coverage for expenses due to lost or delayed baggage 6. Coverage for accidental death or dismemberment. Is travel insurance from a specific provider uniform from state to state? Not always. Be sure to read the coverage literature and policy thoroughly. Some provisions in a brochure may have asterisks with modifications or limitations concerning what applies in certain states. If I plan my trip myself will I be able to buy travel insurance?

2 Yes. Travel insurance can be bought directly from insurance companies without going through a third party. How can I be sure what is covered? Read an insurance policy and it's terms & conditions carefully. It will help you understand the coverage with conditions and requirements to file a claim. If I am planning to make several trips in the next year should I buy coverage each time? If you travel frequently for business or other reasons, you may be able to save money by buying a yearly policy instead of per trip policies. What is coverage for medical evacuation or repatriation? Medical evacuation benefits provide for transportation to a medical facility that can provide appropriate care in the event of serious injury or sickness that cannot be adequately dealt with at the location where the illness or accident took place. Medical repatriation benefits come into play when physicians deem it medically necessary for you to be returned to your home or to a hospital or other medical facility near your home. Transportation and possibly some related costs are likely to be covered. Can I get the policy after I have left India? Unfortunately, we are unable to cover you if you have already left the country I would like to cancel my policy. How do I go about doing this? If you want to cancel your Policy, you must send us a written request within 14days of buying your policy. Please note that we can only cancel and refund your policy if you have not travelled or claimed on the policy. To cancel by , send your request to operations ho@trawelltagindia.com What is the minimum and maximum age? Any person going abroad can take travel insurance Can I extend the policy? No Do I need to carry the policy along with me? You are advised to carry the policy along with you when traveling. This would make it handy once any claim arrives. But most important the policy details should be known to the insured when traveling e.g. policy number. When should I purchase the insurance? You can purchase it at any time before leaving India.

3 What is the minimum period for Insurance coverage? Insurance coverage varies with different insurance plan. It is typically for as little as five days. Normally, we advise you to cover insurance for five days more than no of days of your stay out of the country from the start date of the travel. This is to take care if you miss a flight or rescheduling of flights by Airways due to technical reason or your rescheduling due to personal reasons. What is the proof of my purchasing insurance? When you purchase insurance, Kesari staff will immediately give you Policy with Coverage and terms & conditions. it is necessary for you to read & sign it before travelling. Can we get benefit of this insurance in India? We cannot get benefit in India even though his policy is not expired When does the insurance take effect? The coverage will start from the start date as indicated on the form. But this will take effect when you enter the foreign land. Can I purchase insurance for only part of the stay? Yes you can purchase for only partial duration of the entire stay. However the purpose of purchasing insurance is in the event of unanticipated medical emergencies. One can never be sure when such an emergency can happen. Having purchased insurance for part of their stay will not help in the event of an emergency during the uninsured period. How do I find out which doctors are part of a given insurance network? You can also get this information by calling the toll free number provided in the insurance policy. What information do I need to take Insurance policy? All the information required to complete the application is available in the applicants passport. The main data elements are the applicants complete name, passport number, date of birth, mailing address and telephone number in India, the assignee (the beneficiary for the policy) and the correct travel dates. What are the deductible? The deductibles is the amount which has to be borne by the insured/passenger. It is meant to avoid small claims. It is a universal practice and all the Insurance companies follow this regulation laid by IRDA ( Insurance Regulatory & Development Authority)

4 Are pre-existing disease covered? No. Guest need to self declare pre-existing diseases. Medical reports along with the form duly completed by M.D. doctor is required for person above 60 years. However if the travel / tour is for less than 60 days no reports are required up to the age of 70 years. For 70 years & above these reports are required irrespective of number of days of travel. Things need to inform Guest relating to Travel Insurance Insurance is covering mainly medical risk & addon risks Inform exclusion for pre-diseases & tick on the Insurance Policy Inform Guest to read Terms & conditions thoroughly Ensure signature of Guest on Policy while handover Insurance cover starts after age greater than 6 months Medical above age 70 years is compulsory Above 80 years, policy will be issued by Forex Division Claim submission within 30 days from date of arrival All original supporting are must Plan & Coverages COVERAGES (in $USD) PLAN 1 PLAN 2 PLAN 3 Medical Expenses and Evacuation / Repatriation (hospitalization) 50,000 2,50,000 Emergency Dental Cover ,00,000 Personal Accidental Death 10,000 25,000 25,000 Loss of baggage (Checked) 1,000 1,000 1,000 Delay of baggage (More than 12 hours) Loss of Passport Personal Liability Trip Cancellation /Curtailment Missed Connection Bounced Hotel/ Booking Prepared by : Ajit Save Prepared on : October 14, ,00, ,00, ,00,000

National Trust Travel Plan

National Trust Travel Plan Travel Insurance Designed for Travelers of INSURE FOR Trip Cancellation Missed Connection Baggage Loss and Delay and Emergency Medical Evacuation Early Purchase Advantages: Cancel