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Benefits of Travel Insurance
In case your flight is delayed due to any of the reasons listed in the policy wording, the insurance provider would cover the cost of expenses and payment will be made on presentation of the relevant proofs and original invoices and the compensation shall be paid up as per the policy, this is effective when the delay is of more than 8 hours.
Loss of passport
If there is a loss of passport the insurance provider shall compensate you (the insured) for the expenses incurred for the re-issuance of passport lost or stolen accidentally and unintentionally up to the limit covered by the Policy. The lost passport should be reported immediately to the concerned authorities in the area where it is lost.
Emergency return home
Following the death of a close family member, the insurance provider will arrange for the next of kin, parents, spouse or children of the Insured deceased during the period of the trip, and will meet the costs to the place of residence. In such case you have to provide evidence (documents or certificates) of the event which caused the journey to be cut short.
In case your immediate relative or the person you had to travel with, is either seriously injured or in occurence of death. In such case, the insurance company shall reimburse you, up to the limit as covered by the policy, in respect of all irreversible deposits, advance payments and other charges paid or due to be paid for travel and/or accommodation
Travel Insurance Guide
It`s always a good practice to save money specially when you are going on vacations,so you can spend more on other important things rather than on your insurance policy. Prices may differ from company to company, You can search for a comparison platform like smartchoice.pk that allows you to search and compare insurance companies at once and get the best quotes instantly and helps you buy your travel policy straight from the website.
Take your important insurance documents with you while travelling. You need your policy number and contact details of the claims line while claiming your insurance abroad. Most insurer run a 24 hour emergency assistance service.
If you think you need to lodge a travel insurance claim, you should contact your insurer straightaway and give them some details of the incident.You will be the sent a claim form or you can download it form insurer’s website.There is often a deadline of 31 days, but it's always best to act promptly.Remember too that if you need medical treatment while you are abroad you might first need to seek authorisation from your insurer.
Anyone who is a victim of theft or other crime while on holiday or business trip, should contact the police, preferably within 24 hours of the incident. They might not be able to catch the thief or recover the stolen goods, but your insurer will almost certainly request a police report or crime reference number to pursue a claim.
If your personal belongings are lost or stolen, you might need to provide receipts as proof of value and ownership.
Your policy will only pay up to a certain amount in the event of claim and it can vary according to the type of claim. If you injure yourself while drunk or engaging in a hazardous sport,you might not be covered.
The travel insurance policy can be extended while travelling due to any reason, but there are certain requirements by the provider to process the extension request, the insured should not have made any claim till date he is puts in the extension request, authorized letter by the physician to be provided endorsing that the insured is in good health as well as a declaration needs to be presented by the person requesting extension, the approval is required by the provider if approved, extra charges need to be paid as per extended days that should not exceed more than 90 days in total.
You can easily buy travel insurance for your parents, even if you are residing abroad and buying for your parents travelling from Pakistan. There are multiple insurance companies providing coverage country wise so it’s important you find the right insurance policy for your parents, if your parents age is above 64, then policy premium may increase.
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