“Travel insurance is no longer just about flight disruptions and missing bags,” says Vivek Chaturvedi, CMO and Head of Direct Sales at Go Digit General Insurance. “A good plan goes further, offering financial security against medical emergencies, activity-related injuries, and even unexpected pet care expenses.”
Medical help without hospitalisation
Not all medical incidents lead to hospitalisation, but they can still be expensive when you’re abroad.
Some plans, like Digit’s travel insurance, offer outpatient treatment cover, allowing travellers to claim medical costs for minor injuries or illnesses that don’t require a hospital stay.
Adventure sports covered
Planning to scuba dive or go bungee jumping on your vacation? Standard policies may not cover high-risk activities. However, some policies, like Digit’s Double Secure Plan, include Adventure Activity Coverage, which takes care of medical emergencies from such activities—provided they’re completed within 24 hours and under professional supervision.
Extended pet stay
Pet owners often worry about what happens to their animals if their return home is delayed. Under Digit’s Double Secure Plus Plan, travellers can claim expenses for extended pet boarding in cases where delays are caused by medical emergencies or natural disasters.
Upgraded comfort post-treatment
If a traveller falls ill or is injured during their trip, returning in economy class may not be feasible. Some plans can cover an upgrade to business class for a more comfortable return, especially after medical treatment.
Pre-existing conditions may be covered
One of the most overlooked benefits is coverage for pre-existing conditions.
While many policies exclude them, select plans like Digit’s Double Secure and Double Secure Plus offer limited protection for such conditions—subject to terms and insured limits.
Other hidden benefits to watch for
Apart from the examples above, travel insurance can also cover:
- Trip cancellation due to political unrest
- Loss of passport and the cost to replace it
- Emergency evacuation during natural disasters
- Personal liability cover, if you accidentally cause damage or injury to someone while abroad
Each insurer and policy comes with different conditions, so it’s important to read the fine print.
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