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Travel
Insurance Policy is designed to cover various
losses which a traveler might encounter during
his trip/s.
The policy covers loss of or damage to
luggage carried including personal effects such
as items of clothing.
Expensive items such as jewelry, cameras,
computers and the like can also be covered on
the condition that they are specifically
mentioned along with their value in the Policy.
The
Policy also covers Delay of Baggage in which the
policy pays a fixed amount for if the delay
exceeds a certain number of hours. Cover also to include money carried by the insured traveler
in the form of cash or travelers cheques or
credit cards, however, this is subject to a
monetary limit.
Emergency
Medical Expenses are also included and the
expenses include medical treatment, emergency
dental treatment, hotel and travelling expenses
and bringing the patient back home.
Cancellation
and/or curtailment of travel is also covered
when the insured traveler is unable to travel as
planned due to some misfortune occurring or
having to return earlier than planned.
Misfortunes generally include illness, injury,
death or a fire or burglary at home. In such
cases the insurance will compensate the insured
for loss of advance payments made by the him
related to his travel plan.
The
policy pays a lump sum in the event of
Accidental Death during the journey or for
permanent total disablement.
Cover can be extended at an additional
premium to include certain activities such as
skiing or mountain climbing or diving as
otherwise these are usually excluded.
Personal
liability section of the Policy will cover the
insured's legal liability to another person or
party during the journey.
The
Policy also pays a lump sum in case of Travel
Delay due to missed flights as a result of
failure of pulic transportation, bad weather,
mechanical breakdown of aircraft etc.
Additional
cover can include Emergency Service.
This is a 24 hour service available at
the country where the insured is travelling to.
The service allows decisions on treatment
and repatriation arrangements to be carried out
rapidly.
Cover can be arranged for businessmen as well as holiday
travelers (families).
An annual Policy can be issued if the
policyholder is a frequent traveler. The
geographical limit can range from local (Saudi
Arabia only), Europe or World-wide.
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