Travel Insurance: Why Travel Insurance Matters?

Travel Insurance is financial security against accidents that may happen on your trip. It will provide you with medical coverage if you get sick or injured on your journey, reimburse you if your new mobile gets stolen, your flight gets canceled, or if a family member dies and you need to go home. It’s protection against those emergencies that can come out of nowhere and cost you dearly if you are unprepared. 

Why Travel Insurance Matters 

1. Medical Emergencies: 

Accidents and illnesses can happen anywhere, and navigating healthcare systems in a foreign country can be challenging. Travel insurance ensures you have access to quality medical care without worrying about exorbitant costs. 

2. Trip Cancellation and Interruption: 

Life is unpredictable, and plans can change unexpectedly. Travel insurance protects your investment by reimbursing non-refundable trip expenses if you need to cancel or cut short your journey due to covered reasons, such as illness, injury, or unforeseen events. 

3. Lost or Delayed Baggage: 

Imagine arriving at your dream destination only to discover your luggage didn't make it. Travel insurance covers the cost of replacing essential items and provides compensation for delayed baggage, allowing you to enjoy your trip without unnecessary stress. 

4. Emergency Evacuation: 

In the event of a natural disaster or political unrest, travel insurance can facilitate emergency evacuation, ensuring your safety and well-being. 

5. Travel Delays: 

Missed connections and flight delays are common travel hiccups. With travel insurance, you can be reimbursed for additional expenses incurred due to unexpected delays, such as accommodation and meals. 

Tips for Choosing the Right Travel Insurance 

1. Evaluate Your Needs: 

Consider your destination, the length of your trip, and the activities you plan to engage in. Adventure seekers may require specialized coverage, while a leisurely beach vacation may have different insurance needs. 

2. Coverage Limits and Exclusions: 

Carefully review the coverage limits and exclusions of the policy. Ensure it meets your specific needs and provides sufficient coverage for medical emergencies, trip cancellations, and other potential risks. 

3. Compare Policies: 

Don't settle for the first policy you come across. Shop around, compare quotes, and read reviews to find a reputable insurance provider that offers the coverage you need at a competitive price. 

4. Check for Existing Coverage: 

Review your existing health insurance, credit card benefits, or any other policies that may include travel-related coverage. This can help you avoid paying for duplicate coverage. 

5. Read the Fine Print: 

Take the time to read and understand the terms and conditions of the policy. Pay attention to any exclusions, limitations, and the process for filing claims. 

6. Customer Reviews: 

Look for reviews and testimonials from other travelers who have used the insurance provider. This can provide valuable insights into the company's reputation and the ease of the claims process. 

What Travel insurance covers?

• 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?

• Conflict or breach of law 
• Intoxication 
• Health problems 
• Terminal illnesses 
• Infections 
• Treatments 

What are the benefits of buying Travel Insurance from eSewa?

• Online policy issue 
• Online Payment 
• Affordable Prices 
• No physical paperwork 

What are the claim process and step?

• Customers can direct contact with the Himalayan Everest Insurance or Contact with eSewa. 
• All necessary genuine documents with proof must be submitted. 
• Insurance Company examine all the incidents through survey. 
• Discharge voucher release and sign by customer for claim Settlement. 

How to purchase Travel Insurance from eSewa?

Step 1: Search for eSewa Tours and Travel website/ Search in eSewa app 

Step 2: Click on Travel Insurance Section 

Step 3: Search for the plan package  

Step 4: Fill out the health declaration and personal detail  

Step 5: Make Payment through eSewa / fonepay. 

Step 6: Download the PDF Policy Copy. 

What is the period of coverage for the policy?

• The coverage commences upon departure from Nepal and extends until arrival back in Nepal. 

Posted By: Anjan Karki