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Coverage For Travel Disruptions: Flight Cancellations, Natural Disasters, And More

Due to the recent dense fog-related flight cancellations across Indian cities, many passengers are stranded, and their plans are in disarray. The Union Ministry of Civil Aviation has responded to these disruptions by issuing a directive asking airlines to put passenger welfare first despite the increase in cancellations.

Although guidelines exist for compensation for flight delays or cancellations, travellers should be aware of the significance of having travel insurance in these situations.

Travel insurance plans include a range of coverages to protect travellers against weather-related disruptions or natural calamities and offer several benefits of travel insurance. This is a crucial point because unforeseen circumstances are becoming more frequent.

The Following Are Some Crucial Elements Of Coverage:

  1. Cancellation Of Trip: The insurer will cover any non-refundable airfare, hotel, or other travel expenses up to the selected sum insured if the passenger chooses to cancel the trip because of a fire, storm, or other natural disaster at the destination they are visiting. Similarly, suppose the airline cancels the flight due to fog or another natural disaster. In that case, the insurer will cover the ticket cost up to the full amount insured if the airline cannot provide a refund. Claims are subject to terms and conditions set forth under the travel insurance policy. *
  • Flight Delay: If bad weather causes the flight to be delayed for up to a few hours, the insurer will cover the stated sum insured to cover any costs or necessities during the delay. Claims are subject to terms and conditions set forth under the travel insurance policy. *
  • Lost Connection: If the airline delays a scheduled onward connection flight because of bad weather and the passenger needs to be assisted in getting to the next destination, the insurer will cover the cost of any reasonable additional lodging and transportation to the next destination. Claims are subject to terms and conditions set forth under the travel insurance policy. *
  • Abandonment Of Trip: This insurance is usually offered to foreign visitors. Under this coverage, the insurer will pay up to the sum insured for any unused portion of the trip for which payments have already been made if a passenger must shorten their trip due to a natural disaster and cannot receive refunds for their flights, accommodations, scheduled excursions, etc. Claims are subject to terms and conditions set forth under the travel insurance policy. *

The policyholder only needs to register for any other kind by contacting the insurer by phone, email, or WhatsApp. Depending on the type of claim, the insurer may request a few more documents to determine the amount of loss or incurred costs. After that, the claim is processed and paid.

Travel insurance, mainly through reputable providers like Bajaj Allianz, is a safeguard against unforeseen travel disruptions. Whether it’s flight cancellations, natural disasters, or other unexpected events, having comprehensive coverage ensures financial protection and peace of mind for travellers. Bajaj Allianz travel insurance addresses these concerns and offers additional benefits, including robust coverage for health emergencies through travel health insurance plans. Before embarking on my overseas adventure, prioritise your well-being by opting for Bajaj Allianz travel health insurance, which provides security and financial protection in case of unforeseen medical issues while away from home.

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*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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