Travel insurance offers crucial financial protection against unexpected events during your trip. It provides medical coverage if you fall ill or get injured, reimburses you for a stolen mobile phone, compensates for flight cancellations, and supports you if you need to return home due to a family emergency. It’s your safety net against unforeseen emergencies that can be costly if you’re unprepared.
Contents
Why does Travel Insurance matter?
- Medical Emergencies: Health issues or accidents can arise anywhere, and accessing quality healthcare abroad can be challenging. Travel insurance ensures you receive the necessary medical care without the burden of high costs.
- Trip Cancellation and Interruption: Life is unpredictable, and plans can change suddenly. Travel insurance protects your investment by covering non-refundable trip expenses if you need to cancel or cut your journey short due to illness, injury, or other covered reasons.
- Lost or Delayed Baggage: Arriving at your destination without your luggage can be stressful. Travel insurance helps cover the cost of replacing essential items and compensates for delayed baggage, allowing you to enjoy your trip with less hassle.
- Emergency Evacuation: In case of natural disasters or political unrest, travel insurance facilitates emergency evacuation, ensuring your safety and well-being.
- Travel Delays: Missed connections and flight delays can disrupt your plans. Travel insurance reimburses additional expenses incurred due to delays, such as accommodation and meals.
Tips for Choosing the Right Travel Insurance
- Evaluate Your Needs: Consider your destination, trip duration, and planned activities. Adventure travelers may need specialized coverage, while a relaxing beach vacation might have different insurance requirements.
- Coverage Limits and Exclusions: Review the policy’s coverage limits and exclusions to ensure it meets your needs and provides adequate protection for medical emergencies, trip cancellations, and other risks.
- Compare Policies: Don’t settle for the first option. Compare quotes, read reviews, and choose a reputable provider offering the coverage you need at a competitive price.
- Check for Existing Coverage: Review any existing health insurance, credit card benefits, or other policies for travel-related coverage to avoid paying for duplicate insurance.
- Read the Fine Print: Carefully read the policy’s terms and conditions. Pay attention to exclusions, limitations, and the claims process.
- Customer Reviews: Look for reviews from other travelers to gain insights into the insurer’s reputation and the claims process.
What does Travel Insurance cover?
- Emergency Medical and Hospitalization (Up to USD 100,000)
- Medical Evacuation and Repatriation (Up to USD 100,000)
- Accidental Death/Permanent Disablement (Up to USD 30,000)
- Baggage Loss or Damage (Up to USD 2,000)
- Trip Cancellation (Up to USD 1,000)
- Personal Liability (Up to USD 250,000)
What does Travel Insurance not cover?
- Conflicts or breaches of law
- Intoxication
- Preexisting health problems
- Terminal illnesses
- Infections
- Treatments not covered by the policy
Benefits of Purchasing Travel Insurance from eSewa
- Online policy issuance
- Easy online payment
- Affordable pricing
- No physical paperwork
Claim Process
- Contact Himalayan Everest Insurance directly or reach out to eSewa.
- Submit all required genuine documents with proof.
- The insurance company will survey the incidents.
- Receive and sign the discharge voucher for claim settlement.
How to Purchase Travel Insurance from eSewa?
- Visit the eSewa Tours and Travel website or search in the eSewa app.
- Click on the Travel Insurance section.
- Browse and select the plan package.
- Fill out the health declaration and personal details.
- Make the payment through eSewa or Fonepay.
- Download the PDF policy copy.
Coverage Period
The policy covers you from the moment you depart Nepal until you return.