{"id":2242,"date":"2016-06-07T05:57:31","date_gmt":"2016-06-07T05:57:31","guid":{"rendered":"http:\/\/blog.tripbeam.com\/?p=2242"},"modified":"2023-10-05T12:37:54","modified_gmt":"2023-10-05T07:07:54","slug":"should-you-buy-travel-insurance-or-not","status":"publish","type":"post","link":"https:\/\/www.tripbeam.com\/blog\/should-you-buy-travel-insurance-or-not","title":{"rendered":"Should You Buy Travel Insurance in India or U.S.?"},"content":{"rendered":"<p style=\"text-align: justify;\">It seems like one of those things you can easily do without. Spending money on something, that might never be used, logically seems inappropriate.<\/p>\n<p style=\"text-align: justify;\">Totally right! Travel insurance is one of those seemingly useless things. And therefore, everyone has second thoughts about buying it while booking the flight deals.<\/p>\n<p style=\"text-align: justify;\">However, one cannot entirely undermine the security travel insurance brings with it.<\/p>\n<p style=\"text-align: justify;\">Unless any of us is a superhuman (which I don\u2019t think actually exist beyond the reel world) we never know when a catastrophe is going to hit.<\/p>\n<p style=\"text-align: justify;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2265\" src=\"https:\/\/tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/blog3-copy.jpg\" alt=\"cheap travel insurance from India to USA\" width=\"650\" height=\"250\" srcset=\"https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/blog3-copy.jpg 650w, https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/blog3-copy-300x115.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\n<p style=\"text-align: justify;\">It is, therefore, a good option to buy travel insurance to deal with such unforeseen accidents.<\/p>\n<p style=\"text-align: justify;\">It provides various coverage to help us deal with the rarest of rare situations, which have a minimum possibility to occur, but if they do things will not go out of hand.<\/p>\n<p style=\"text-align: justify;\">Thus, make sure to get one the next time you book\u00a0<span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;sfo to chennai flight deals&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15233,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;11&quot;:0,&quot;12&quot;:0,&quot;14&quot;:[null,2,0],&quot;15&quot;:&quot;Calibri, sans-serif&quot;,&quot;16&quot;:11}\"><strong><a href=\"https:\/\/www.tripbeam.com\/flights-from-san-francisco-to-india\" target=\"_blank\" rel=\"noopener noreferrer\"><em>SFO to Chennai flight deals<\/em><\/a><\/strong>.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tripbeam.com\/blog\/should-you-buy-travel-insurance-or-not\/#Given_below_are_the_four_areas_travel_insurance_covers\" >Given\u00a0below\u00a0are\u00a0the\u00a0four\u00a0areas\u00a0travel\u00a0insurance\u00a0covers:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tripbeam.com\/blog\/should-you-buy-travel-insurance-or-not\/#Hence_one_must_know_when_to_give_in_to_this_urge_and_when_it_is_not_worth_taking_a_risk\" >Hence, one must know when to give in to this urge and when it is not worth taking a risk.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tripbeam.com\/blog\/should-you-buy-travel-insurance-or-not\/#When_buying_travel_insurance_is_a_must\" >When buying travel insurance is a must:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tripbeam.com\/blog\/should-you-buy-travel-insurance-or-not\/#When_is_it_OK_to_go_sans_insurance\" >When is it OK to go sans insurance:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Given_below_are_the_four_areas_travel_insurance_covers\"><\/span><strong>Given\u00a0below\u00a0are\u00a0the\u00a0four\u00a0areas\u00a0travel\u00a0insurance\u00a0covers:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"text-align: justify;\">Trip cancellation and trip interruption insurance<\/li>\n<li style=\"text-align: justify;\">Baggage and personal items coverage<\/li>\n<li style=\"text-align: justify;\">Emergency medical insurance<\/li>\n<li style=\"text-align: justify;\">Accidental death or dismemberment insurance<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">The first two are quite common issues, travelers traveling by air come across. But the last two are the reasons you should fly all insured. Especially, if you are no more in your hay days, medical insurance becomes crucial.<\/p>\n<p style=\"text-align: justify;\">It is not a sign of <a href=\"https:\/\/en.wikipedia.org\/wiki\/Pessimism\" target=\"_blank\" rel=\"noopener noreferrer\"><em><strong>pessimism<\/strong><\/em><\/a> but a rational move, to be prepared for any untoward situation when you have the option available.<\/p>\n<p style=\"text-align: justify;\">Therefore, along with looking for the <span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;best travel deals from nyc&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15233,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;11&quot;:0,&quot;12&quot;:0,&quot;14&quot;:[null,2,0],&quot;15&quot;:&quot;Calibri, sans-serif&quot;,&quot;16&quot;:11}\">best travel deals from NYC, look for travel insurance too. <\/span><\/p>\n<p style=\"text-align: justify;\">God forbid, you have a sudden cardiac arrest while on your flight to Cochin\u00a0and have to be kept in the intensive care for a good couple of days, bearing all expenses in a foreign land all on your own can actually pave way for another attack.<\/p>\n<p style=\"text-align: justify;\">However, flying with <strong><a href=\"https:\/\/www.tripbeam.com\/blog\/travel-insurance-from-india-to-the-usa-all-you-need-to-know\" target=\"_blank\" rel=\"noopener noreferrer\"><em>travel insurance <\/em><\/a><\/strong>from India to the USA (includes medical coverage), things can be better taken care of.<\/p>\n<p style=\"text-align: justify;\">So, just for while access how greatly beneficial travel insurance can be.<\/p>\n<p style=\"text-align: justify;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2263\" src=\"https:\/\/tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/blog2-copy.jpg\" alt=\" all inclusive holiday package\" width=\"650\" height=\"250\" srcset=\"https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/blog2-copy.jpg 650w, https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/blog2-copy-300x115.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\n<p style=\"text-align: justify;\">Nonetheless, the key concern that travels insurance doesn\u2019t come too cheap (costs almost 5% or more of your total trip expenses), makes it really difficult to forego the temptation of neglecting this add on expense.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hence_one_must_know_when_to_give_in_to_this_urge_and_when_it_is_not_worth_taking_a_risk\"><\/span><strong> Hence, one must know when to give in to this urge and when it is not worth taking a risk.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"When_buying_travel_insurance_is_a_must\"><\/span><strong>When buying travel insurance is a must:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><img decoding=\"async\" class=\"size-full wp-image-2267\" src=\"https:\/\/tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/travelinsurance.jpg\" alt=\"travel insurance\" width=\"650\" height=\"250\" srcset=\"https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/travelinsurance.jpg 650w, https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/travelinsurance-300x115.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\n<p style=\"text-align: justify;\">1.\u00a0 If you are traveling afar on a long haul flight. And also, if you are traveling to a place where weather interruptions might cause flight cancellations.<\/p>\n<p style=\"text-align: justify;\">2. If your itinerary is complex and will have you moving constantly from one place to another,\u00a0 with multiple destinations stays.<\/p>\n<p style=\"text-align: justify;\">3. If you have booked an\u00a0all-inclusive holiday package<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"When_is_it_OK_to_go_sans_insurance\"><\/span><strong>When is it OK to go sans insurance:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">1. If it is a short\/domestic flight and you are not spending too much on the trip.<\/p>\n<p style=\"text-align: justify;\">2. If there are major parts of your trip that would not be covered under the insurance like if you are redeeming your frequent flier miles or using a travel voucher, or staying at an acquaintance\u2019s place, etc.<\/p>\n<p style=\"text-align: justify;\">3. If you are traveling with a pre-diagnosed medical condition that your travel insurance policy excludes from their coverage.<\/p>\n<p style=\"text-align: justify;\">4. If you think you can manage flight delays and cancellations of your <a href=\"https:\/\/www.tripbeam.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em><strong>plane tickets<\/strong><\/em><\/a> on your own, and the luggage even if lost will not cost more than what you are paying for the insurance.<\/p>\n<p style=\"text-align: justify;\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2261\" src=\"https:\/\/tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/newblog4-1.jpg\" alt=\"travel insurance from India\" width=\"650\" height=\"250\" srcset=\"https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/newblog4-1.jpg 650w, https:\/\/www.tripbeam.com\/blog\/wp-content\/uploads\/2016\/06\/newblog4-1-300x115.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\n<p style=\"text-align: justify;\">The deep irony with travel insurance is that we buy it to avoid exactly what we hope would never happen.<\/p>\n<p style=\"text-align: justify;\">But then, if you are one who doesn\u2019t like to take chances to travel insurance purchase is a smart move to make.<\/p>\n<p style=\"text-align: justify;\">In case, you are up for a journey to or from the US, we can provide easy and <strong>c<\/strong>heap travel insurance along with <strong><a href=\"https:\/\/www.tripbeam.com\/cheap-flight\" target=\"_blank\" rel=\"noopener noreferrer\"><em>cheap airfares<\/em><\/a>.<\/strong><\/p>\n<p style=\"text-align: justify;\">Not a compulsion though! Weigh the pros and cons and make your decision.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It seems like one of those things you can easily do without. Spending money on something, that might never be used, logically seems inappropriate. Totally right! Travel insurance is one of those seemingly useless things. And therefore, everyone has second thoughts about buying it while booking the flight deals. However, one cannot entirely undermine the security travel insurance brings with it. Unless any of us is a superhuman (which I don\u2019t think actually exist beyond the reel world) we never know when a catastrophe is going to hit. It is, therefore, a good option to buy travel insurance to deal with such unforeseen accidents. It provides various coverage to help us deal with the rarest of rare situations, which have&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2257,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[1749,294,1750,1748,1746,1747],"class_list":["post-2242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-tips","tag-best-travel-insurance","tag-cheap-travel-insurance-from-india","tag-is-travel-insurance-worth-it","tag-should-i-get-travel-insurance","tag-should-you-buy-travel-insurance","tag-when-should-you-buy-travel-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Should you buy travel insurance in India or U.S.? -Tripbeam.com<\/title>\n<meta name=\"description\" content=\"Explore the vital factors to consider when deciding between buying travel insurance in India or the U.S. Make an informed choice.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tripbeam.com\/blog\/should-you-buy-travel-insurance-or-not\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should you buy travel insurance in India or U.S.? 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