Why Insurance is Essential for International Travellers?

Planning an international trip can be an exciting yet daunting task. As you look forward to exploring new destinations, it’s easy to overlook one very important aspect of overseas travel – insurance.

Purchasing comprehensive travel insurance should be at the top of your pre-trip to-do list. While no one expects to encounter issues during their holidays, you never know when an unexpected illness, injury, travel delay or other incident might occur. Having insurance can provide vital financial protection and peace of mind in case the unforeseen happens abroad.

The Risks of Travelling Uninsured

Travelling without insurance is an incredibly risky financial decision. Overseas medical care and emergency travel arrangements can incur exorbitant costs, even for minor incidents. Without insurance, you would be responsible for covering these expenses entirely out of pocket.

Some examples of unfortunate but common travel incidents that could result in thousands of dollars in uncovered costs include:

  • Requiring hospitalisation and emergency medical treatment
  • Needing emergency dental work due to an accident or infection
  • Changing flight arrangements due to an illness or delayed/cancelled flights
  • Losing baggage that contains valuable items
  • Requiring emergency evacuation due to an illness, accident or unrest

Additionally, your domestic insurance likely provides limited or zero coverage for overseas medical care. Relying solely on government programmes like Medicare is also typically insufficient when travelling abroad. This makes comprehensive ACKO Insurance a necessary safeguard.

Different Types of Travel Insurance Coverage

Travel insurance plans can include various types of coverage to address different risks. Some standard policy types include:

  • Emergency Medical Insurance: This policy covers overseas doctor/hospital visits, prescription medications, and medical evacuation if necessary. It is arguably the most essential coverage for international trips.
  • Trip Delay/Missed Flight Insurance: Trip delays or missed flights are common these days. However, paying for new flight tickets can be costly. Having insurance can cover these costs.
  • Emergency Support: With the right coverage, you can access 24/7 assistance services, overseas medical care, and emergency financial protection.
  • Baggage Insurance: Provides support if your luggage is lost, damaged or stolen. Coverage amounts vary based on the plan.
  • Accident and Life Insurance: Offers benefits to you or your beneficiaries for covered injuries, disabilities or accidental death while travelling.

Factors That Determine Your Insurance Needs

The ideal insurance coverage depends heavily on the details of your international trip. Some key factors include:

  • Destination: Where you’re travelling and the duration of your stay will impact your risks. Locations with limited medical facilities or civil unrest warrant greater coverage.
  • Activities: Adventurous vacations, such as skiing, scuba diving, or hiking, may require additional specialised insurance, such as extreme sports coverage (please contact your insurance provider for more details).
  • Health: Pre-existing medical conditions, pregnancy or frail health necessitate more robust medical insurance and evacuation policies.
  • Ages: Insurance needs are greater for very young or senior travellers who are more prone to medical issues.
  • Costs: Budget-friendly destinations generally require lower coverage limits compared to expensive trips.

Tips for Finding the Right Travel Insurance Policy

Given the many policy options, finding coverage that fits your specific trip can feel daunting. Follow these tips to secure a comprehensive and cost-effective insurance plan:

  • Start early: Begin comparing plans at least one to two months pre-departure. This provides time to ask questions and make corrections.
  • Read the details carefully. Verify that the policy includes essential coverage, such as overseas medical care suitable for your destination and activities.
  • Disclose pre-existing conditions: Failing to disclose these upfront can void your medical coverage when you actually need it most.
  • Compare pricing: Check quotes across multiple major providers. Insurers like ACKO Insurance provide international travel insurance for as little as Rs.10/day.
  • Check reliability: Select established insurers with strong financial ratings and a reputation for good customer service.
  • Confirm logistics: Verify when and how to submit claims and obtain emergency assistance while abroad.


By keeping these tips in mind, you can secure an international travel insurance policy tailored to your specific needs and budget. Protecting your finances and well-being allows for stress-free globetrotting. Safe travels!

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