When traveling overseas your main medical plan could not cover you. An annual travel insurance plan might help to offset the costs of covered medical care needs. As at all times, contact our buyer care consultants with any specific travel insurance questions you might have. Several types of plans that supply annual travel coverage can be found. First, travel medical plans that cover you when you’re traveling internationally in the course of the 12 months are an option. Primary medical coverage is required to be in place to be eligible for the multi-trip medical plans, and it’s additionally essential to notice the utmost allowed length per trip, which varies per plan.
Attach any supporting documentation or explanations to complement your answers, says Westmacott. “It will cover most of the deposit I’ll be shedding plus the airfare I needed to cancel,” she says. She’s nonetheless within the means of getting refunds from various companies involved in her New Zealand trip. Even after she appealed to its executives, the tour operator refused to offer her a refund. Since then, Warren has been serious about—and rethinking—travel insurance. The couple occurred to be traveling in New Zealand in March just as the country started to shut down.
Some Medicare Part C plans include a profit covering 80% of medically needed pressing care received abroad. The care must begin in the course of the first 60 days of each trip, after paying a $250 annual deductible. Cigna and Aetna are two companies that do have plans that cover international travel. Medicare Advantage will pay for added international care expenses as a result of it is managed by private carriers.
Any insurance policy purchased to cover a trip to a destination the place the local authority, or the FCDO, has instructed citizens not to travel, is not going to be valid. You’re nonetheless capable of purchase annual multi-trip policies, nonetheless, when you select to travel towards FCDO recommendation and current restrictions, you received’t be coated on your trip. A policy issued beneath Leisure plan may be prolonged based on request a lot prior to the expiry of the policy. Upon receipt of premium prior to expiry of the interval specified within the policy, company will issue an endorsement extending the policy as much as the permissible prolonged period.
Can I Get Senior Travel Insurance With Cruise Cover?
The return date is the date you propose to return to your province of residence. For a multi-trip plan, enter the departure and return dates of the longest trip you’re planning on doing within the subsequent 12 months. The departure date is the date you plan to go away your province of residence.
However, these aren’t necessarily cheap insurance products, and you should be prepared to pay a higher premium for canopy, and possibly producing a letter out of your personal doctor declaring you match for travel. best travel insurance companies and what each firm presents and have hyperlinks so that you can get a personalized quote. Compare travel insurance quotes to discover a deal that works for you. No, however you need to never travel with out it as a result of medical remedy abroad can cost tens of hundreds of kilos.
- With our health insurance plans for senior citizens you possibly can avail advantages like lifetime renewability, no entry age restriction and a number of other different subject to no antagonistic medical history.
- This will assist you to to make sure you’re giving the correct details.
- But you’ll be able to increase your rental vehicle excess cover to $eight,000.
- The content material featured on UpgradedPoints.com has not been supplied by the credit card companies mentioned.
- Lost Baggage – Provides coverage in the occasion the airline loses your luggage in transit, permitting you to exchange the items in your bag.
UK travellers should think about World First, which covers you until the age of a hundred. Residents of the US and most other international locations can discover coverage till any age with USA Assist, while Europesure offers EEA residents insurance until age seventy nine. I hope these seniors travel insurance critiques have been useful but if this is complicated, here’s a breakdown by age. I know, cost is a big consider selecting your insurance policy, but many criteria go into determining the value of an insurance plan. To get probably the most correct, up-to-date coverage and prices, merely click on the links and you’ll get a quote that takes all your particular details into account. You’ll need make sure your vacation spot is covered by the policy you’ve chosen.
Otherwise, any accident you might have won’t be coated by your travel insurance policy. That said, Australian residents who don’t have cover that pays for emergency transportation across the country, and want to use an ambulance, could also be out of pocket for those ambulance expenses. Domestic travel insurance received’t cover any physician or hospital expenses. However, when you have a Medicare card, you have entry to subsidised healthcare all over Australia.
Or, you possibly can convert your policy to permanent life insurance. Unsurpassed customer service and convertible term life policies make State Farm a high-notch choice for seniors. While Banner earns our Best Final Expense for Seniors award, its term and common life policies offer high quality coverage as nicely. Banner was founded in 1949 and sells life insurance beneath the Legal and General brand. This insurer has stable monetary strength rankings and a clear claims historical past, making it a dependable firm throughout. Banner additionally presents a number of the best ultimate expense insurance on the market for seniors and older adults.
$296.72, $5 million emergency medical coverage, no trip cancellation or trip interruption, and no baggage coverage. When the same Canadian seniors werequoted with an existing medical condition, prices, as may be expected, elevated for emergency medical coverage. $321.08 Ingle International, $10 million emergency medical coverage, $250 deductible and no medical form if underneath age seventy nine.
Calculation Of Health Insurance Premium
You can compare prices from a panel of specialist insurers that cover a spread of pre-existing medical conditions with TravelSupermarket. The type of travel insurance you select is dependent upon a number of factors. Where you are going; how lengthy you plan to travel; the actions you propose to do while away; the quantity you travel during the year; and your personal circumstances ought to all be taken under consideration. Sorting your travel insurance may not be your concept of a great time, however searching for it doesn’t should be a trouble – especially if you understand the extent of cover you are likely to need.
@theaatravel Best value travel insurance for seniors. Can't believe our luck.
— Eileen McBain (@Scottishsinger) May 11, 2010
As age will increase, so does the cost of purchasing travel insurance. The good news, however, is that premiums are likely to vary widely between companies who supply policies for older travelers, so it pays to check. If you’re 65 years of age or older and serious about purchasing travel insurance, don’t pull the trigger without reviewing the knowledge in today’s article on travel insurance choices for seniors. As we age, nonetheless, traveling could pose some further risks.
As we will see, each product that a AAA customer will get to select from is Allianz-provided. AAA is another massive member group, trusted by tens of hundreds of thousands. AARP directs its members to buy round for the best travel insurance deal. Many member organizations create their own version of a Travel Insurance product, and then promote it to their members.
Personal legal responsibility – cover in case you by accident injure someone or injury their property. The NewRetirement Retirement Planner is an easy to use however extremely detailed resource that permits you to create your individual retirement plan and maintain it up to date. You can input completely different revenue and expense levels for numerous time durations.
The website also stands out for its intuitive design, which allows you to seek for each service underneath its own particular tab and then filter outcomes in accordance with a fairly specific set of personal standards. Under the restaurant tab, you possibly can browse traveler-ranked options according to themes including Cheap Eats, Local Cuisine, and Fine Dining. “The Nomad function lets you discover the cheapest route for a multi-destination trip and also offers pre-planned itineraries.” “You can guide several Europe-specific travel providers as well, including Eurostar tickets, and even theater tickets.” Our editors independently research, check, and suggest the most effective products and services; you possibly can learn extra about ourreview process here. We may obtain commissions on purchases created from our chosen links.
Allianz Australia Life Insurance Limited ABN AFS Licence No. is the insurer of any life insurance merchandise supplied on this web site. Allianz Australia Insurance Limited ABN AFS Licence No. is the insurer of any general insurance products offered on this website. Any advice here doesn’t take into account your aims, monetary situation or wants. Before making a choice please contemplate the related Product Disclosure Statement /Policy Wording, Supplementary PDS & PDS update which can be found on this website.
You could currently have some type of travel insurance and not notice it, so verify for present coverage when you have any of these assets. Note that some sites are limited to single-trip policy searches and don’t permit you to seek for annual travel insurance insurance policies. Comparison websites don’t list every travel insurance company, but they can help slim your choices and get an concept of pricing and coverage.
I’m Leyla Giray Alyanak and thru Women on the Road I’ve been offering inspiration and advice on solo feminine travel since 2007. A former foreign correspondent and diplomat, I’ve had the privilege to go to greater than 90 international locations (and no, I’m not completed yet!). Its founder is a former backpacker who understands the wants of independent travelers and presents something that is properly-tailor-made to our wants.
Therefore, the one things Travel Medical Insurance companies care about are new medical conditions or current modifications in an existing medical condition. If you could have been medically stable within the recent previous, don’t worry. So, you should buy the policy within days if you’d like the Pre-existing Condition Waiver added free of charge. We suggest not more than two weeks, so you have essentially the most options attainable.
TD presents a number of services corresponding to banking options, convenient bank cards, and aggressive trade charges to meet your travel meets. Explore these products and services to learn how TD can additional improve your trip. Cruising the world is a lifelong ambition for many people, and retirement is the proper time to set sail. Whether you’re seeking to cruise across the Mediterranean, hop across the Caribbean islands or explore the Far East, you’ll be able to with our add-on Cruise cover. With our cruise insurance for the over 65s, you can chill out and watch the world go by, figuring out you’re lined.
This plan will hold the stress of medical bills at bay and beat the medical inflation. Best and worst travel insurance How to select a policy for travel following the COVID-19 pandemic, with detail on medical bills, cancellation and airline failure. Use our guides to search out aggressive travel insurance, discover the travel insurers that are Which? Recommended Providers and learn to get travel insurance even when you have medical conditions.
HomeInsurance.com, LLC services are only obtainable in states the place it’s licensed, and insurance coverage via HomeInsurance.com is probably not available in all states. Once you review plan options, just pick the one that matches your wants, make your cost, and submit your travel dates. If you have to file a claim, examine to see what kind of documentation is required from the physician or hospital who handled you during your trip. You a delicate reminder that we’re a financial comparison web site and do not symbolize travel insurance companies hence we can help you together with your comparison choices.
But you don’t need to be a risk-taker to benefit from World Nomads travel insurance. Unlike another insurance brokers, we focus on offering travel insurance options for Canadian snowbirds and perceive the unique travel insurance needs and concerns of snowbirds. We offer a wide range of insurance options for snowbirds, permitting you to match your options and find the best coverage to fulfill your specific wants and state of affairs.
The “guarantee” in this kind of policy refers to your coverage. No matter how your cash worth investment changes over time, your coverage won’t lapse as long as you pay the identical minimum premium. Unlike different everlasting insurance policies, however, this policy’s cash value could not grow much. Guaranteed universal life insurance additionally offers the identical low threat as whole life insurance. Finally, while this insurer earns our Best Universal Life Insurance for Seniors title, its term life policies are strong too.
If you have a paid help employee, ask your insurer whether they’ll cover the cost of a replacement support worker, ought to yours be unable to travel. That way you are coated in case your trip will get cancelled earlier than you even depart or if you are unable to travel in any respect. It won’t cost you extra, as you will only pay for the dates that you just’re travelling. As a results of COVID-19, you could have been unable to fully maximize the advantages of your travel insurance policy.
For joint cover, you should also check is whether this amount is per individual or per policy. Theft – if you’re covered for theft, most insurers will ask for a police report. Lost baggage – airlines are required by legislation to pay a specified amount of money per kilo of misplaced baggage.
Our research of greater than 50 travel insurance policies confirmed the common cost of travel insurance within the U.S. was $148, however not all travel insurance insurance policies are the identical. Some are far more comprehensive than others and, consequently, the vary of prices between them could be wide. Our analysis discovered that the price of a comprehensive travel insurance policy was 56% more, on common, than a basic travel insurance policy.
Comparing the choices and choosing the most effective travel insurance policy in your trip is determined by your particular needs. Most insurance policies are complete and embody lots of the same advantages, with the most important difference being the coverage limits per profit. Most provincial health insurance plans only cover limited expenses when traveling out of province. The best travel insurance for elderly is designed to cover you outdoors of your home province whilst you’re in Canada too. Check with the medical insurance provider in your house province for extra details.
Make sure that the plan covers the preparation and return of your remains to Canada. a compassion clause saying that an inaccurate statement could not invalidate the complete policy, anda change of health clause. Ask the company to explain the definition of, and the constraints and restrictions on, any pre-existing conditions and tests and treatments you may have had. RACV Travel Insurance – Combined Financial Services Guide and Product Disclosure Statement for insurance policies purchased 8 July September 2017.
Most insurance policies waive preexisting medical conditions, but only if you purchase insurance inside two or three weeks of your last trip deposit. If you wait any longer, you could find yourself without coverage in your main medical points. If you’re taking a world trip, having travel insurance for medical treatment or evacuation is highly really helpful, since your health insurance may not apply when you’re traveling abroad. As for short or cheap domestic journeys, travel insurance is likely pointless — coverage for baggage and delays will not be value the cost. Travelex’s Travel Select Plan has all of the makings of a fantastic travel insurance policy.
A pre-existing condition refers to an sickness, an injury or an existing health condition. Please enter a legitimate date of delivery for every particular person to be insured. The date of start is required to offer the right quote price. The person designated as primary traveller shall be talked about on the insurance certificate because the contract holder.
I assume World Nomads is the best international travel insurance for seniors. World Nomads is beneficial and endorsed by National Georgraphic and Lonely Planet, and is one of the best identified seniors travel insurance companies in the world. Travel insurance from WorldNomads.com is out there to folks from one hundred forty nations. It’s designed for adventurous travelers with coverage for overseas medical, evacuation, baggage and a variety of adventure sports activities and actions. Whether you’re a frequent traveler or a as soon as-a-12 months adventurer, accidents and medical emergencies can occur anytime and anyplace.
This covers things like not being able to dock at a scheduled port due to dangerous weather, and cabin confinement. If you are taking multiple connecting flight to reach your vacation spot or home, it is important you’ve our elective Connecting Flight add-on. This then extends your cover for connecting flights if cancelled or delayed.
We know that holidays might really feel totally different in the meanwhile, however your travel insurance is there to restore your travel confidence. With travel insurance that covers coronavirus, you’ll be able to return to your favorite places with peace of thoughts. So, should you catch COVID-19 at home or abroad, you may be covered for cancellation and emergency medical bills.
Travel insurance is issued and managed by AWP Australia Pty Ltd ABN AFSL trading as Allianz Global Assistance on behalf of the insurer, Allianz Australia Insurance Limited ABN AFSL . Virgin Money doesn’t provide any recommendation based on any consideration of your goals, monetary scenario or needs. Before making a choice, please consider the Product Disclosure Statement, available. If you purchase this insurance, Virgin Money will receive a fee that may be a proportion of the premium. Ask us for extra details before we offer you companies.
It’s ideal for digital nomads and spontaneous travelers who can’t say for sure what lodge they’ll be staying at. We maintained the ultimate destination (the U.K.) and located that departing from most different international locations aside from the U.S. resulted in a significant increase in the common policy premium. It’s hard to know what the rationale behind that distinction is—perhaps it’s because the costs of the policies we have been gathering quotes for had been optimized for U.S. departures. Anything outdoors of the U.S. may simply be categorized as a special level of danger, regardless of the place somebody is departing from.
— Mary Pratt (@mpt62) February 20, 2020
While standard travel insurance plans are meant to cover one-time trips, frequent travelers should contemplate an annual travel insurance plan. These plans cover the identical issues as a single-trip plan, corresponding to trip cancellation and emergency medical conditions. But in addition they supply the comfort of a one-time purchase for a number of journeys. Declaring your pre-existing medical conditions begins with telling us the name of your condition during our medical screening.
2- Medical cover won’t exceed 12 months from the onset of the sickness or injury. Our group of skilled medical doctors, nurses, travel consultants and case managers are right here for you, 24/7. Cover for cancellation, amendment and delay, plus as much as $three,000 in the direction of any excess for rental car harm or theft.
If you have a pre-existing condition, you’ll be able to still get a quote via Money.co.uk. These conditions might embody cancer, stroke, serious coronary heart, respiratory and terminal conditions. Medical care covers medical remedy due to accidents or injuries as we describe above. However, it doesn’t embody injuries attributable to “extreme” actions by default. IMG has a few of the longest time necessities before you’ll be able to claim reimbursement for trip or baggage delays. The LX plan requires you to attend six hours for trip delays and 12 hours for bags delays, whereas the SE plan requires 12 for both.
This covers for each hospitalization medical bills and out affected person medical expenses / doctor visits, pharmacy bills. Travelers travelling Australia can get the complete travel insurance quotes & can buy travel medical insurance. Travelers travelling USA can get the whole travel insurance quotes & can buy travel medical insurance. Annual multi trip travel insurance is suitable for business individuals who travel overseas incessantly however for shorter stays. NRIOL helps you compare and find best travel insurance policy based on your necessities. Travel at peace and security – The cost of travel insurance is easily definitely worth the peace of mind and the security it provides which could be calculated utilizing our travel insurance premium calculator.
Sometimes companies together with airlines and hotels negotiate specific reductions with OTAs that are not obtainable with a direct reserving. Sometimes the OTA will offer its own low cost within the hope that you will add different companies to your booking to make up the distinction. Occasionally, reserving direct is the most cost effective choice, however generally you can also make financial savings of up to several hundred dollars by using an OTA. Convenience is among the primary benefits of utilizing an online travel agent. With a few clicks, you possibly can book flights, hotels, rental automobiles, and more on a single net page. You don’t have to pay commission to a real-life travel agent and, when you use an aggregator web site like Skyscanner or TripAdvisor, you may get a greater price than if you guide immediately with the airline or resort.
The content material on this web page is correct as of the posting date; nevertheless, some of our companion provides could have expired. Please evaluation our list of best bank cards, or use our CardMatch™ software to seek out cards matched to your needs. If you’re the intrepid and adventurous sort seeking to see the world, our Backpacker & Longstay vary of policy are perfect for college students on a niche 12 months, backpackers and adventure seekers. Proof of travel, i.e. original boarding cross, air tickets, copy of passport and so forth. For qualifying Annual Trip plan varieties, HBPC voucher has a price of $25 with a minimum spend of $300, and a worth of $50 with a minimal spend of $500.
Travel Insurance FAQs Frequently Asked Questions have been developed to assist in offering readability on conditions you might end up in and how those conditions relate to travel insurance. To get help with any facet of TIC travel insurance, contact us. Established in 1988, Travel Insurance Consultants , a wholly owned Santam specialist business at South Africa’s largest travel insurance firm. The covers take effect on the primary day of the month following receipt of the enrolment utility accompanied by the first cost. You can report your medical historical past utilizing a medical questionnaire. Our medical service will make a decision as to the acceptance of your insurance application as well as any special conditions that will apply.
Indian overseas travel insurance plans for travelers aged beneath 70 years. These travel insurance plans are also referred to as round trip insurance as they insure the traveller onward from India during his/her stay overseas back to his/her return to India. Rejection of every proposal for senior citizen health insurance plans have to be given in writing, together with causes supporting the rejection.
As you get older, the probabilities of a slip, harm or changing into ill on holiday are higher than they could have been in your younger years. Because of this, many insurance providers have an upper age limit on the travel insurance they offer. Our panel consists of insurance providers who quote cover for all medical conditions declared on our web site, with no exclusions. Non-important travel isn’t currently permitted throughout the UK before 12 April 2021 at the earliest and international travel just isn’t presently permitted before 17 May 2021 at the earliest.
Below is some more information about our merchandise, for which Terms and Conditions apply. The Scotiabank Passport Visa Infinite Card is $139 annually but it is free for the primary 12 months when you have the Preferred Package or Ultimate Package chequing accounts. You get 6 free Airport lounge visits (that’s lots, usually it’s 4) and 30,000 Scotia Rewards points if you spend $a thousand in the first 3 months (that’s about $300 value in travel). There’s additionally no international change mark up, you simply pay the trade price.
Some annual, multi-trip plans do embrace limited baggage loss coverage – but not all. Our Over-65 and Over-80 travel insurance plans present medical coverage, medical evacuation coverage, repatriation, and multiple deductible choices together with multiple amounts of coverage. We can discover you the perfect travel insurance plan based in your age, activity, or location. If the senior traveler is going through health points, has ambitious actions deliberate or is staying for an extended time period, a comprehensive plan with the next policy most could also be the most suitable choice.
Brands that claim to cater particularly to seniors usually offer policies which might be underwritten by the same insurers and have the same terms and conditions as other travel insurance brands. While some travel insurers don’t offer discounted coverage to people ages 60 or 70 or older, there are some ways to get cheap travel insurance as a senior. A standard travel insurance policy does not cover ongoing preexisting health conditions. However, many companies will insure you if you have a condition that is stabilized with medicine and no current treatment has been sought. Since travel insurance is broadly out there, even for seniors over sixty five, the most effective policy may be found by comparing companies and insurance policies.
Our annual multi-trip cover is an answer that covers you for multiple international journeys, making it excellent for the frequent business traveller or globetrotter who has caught the travel bug. You can’t predict a natural disaster, job loss or the death of a family member or good friend. When an sudden occasion prevents you from travelling, Trip Cancellation & Trip Interruption reimburses travel costs in case your trip is cancelled before you allow, or disrupted after it has begun. At World Nomads, we love to discover our boundaries after we travel, so we have labored for over ten years growing one of the longest lists of lined activities.
Remember to all the time examine the newest government requirements earlier than booking a trip. A medical condition you’ve on the time you are taking out your policy that’s either being investigated or not yet diagnosed. Unfortunately, if one thing happens while you’re away that pertains to an undiagnosed condition, it’s also unlikely to be covered. A claim is when you ask your insurer to pay for one thing coated under your insurance policy. ’ If insurance jargon seems like a unique language to you, don’t fret. We’ve decoded the lingo and explained travel insurance terminology, so you know what the terms mean earlier than you select your policy.
The firm is underwritten by BCS Insurance Company, which has an A- score, and by Jefferson Insurance Company, which has an A+ ranking. Travel insurance may be particularly useful to seniors, who usually expertise more health issues than younger travelers. Experts say seniors ought to be conscious of some other factors when they buy travel insurance. Before 9/11, only 10% of leisure travelers bought travel insurance, based on the U.S. Now, the quantity is poised to grow once more—and maybe particularly amongst seniors.
Without this extension, your policy will not be legitimate if the FCO are still advising in opposition to all but essential travel at the time of your departure. Once you’ve completed including your medical conditions, please choose ‘No – I even have declared all my medical conditions’. I discovered that your representative very helpful in guiding me via the small print of this travel policy.The consultant was courteous all through the interview. Most online travel agents offer the choice to add accommodation and/or car leases to your flight. One of one of the best choices for vacation packages is Expedia’s Bundle and Save feature. The amount of cash you can save by utilizing an internet travel agent differs from case to case.
Trip Interruption – Protects you in the event you should finish your trip early and instantly tend to an emergency back home. Unfortunately, she was unable to beat the quote that I already had from my current insurance company. The interval of cover can be proven in your Certificate of Insurance, which is shipped to you at the time of purchase. You might wish to extend the length of your holiday abroad and also you may be able to do that inside specified timeframes. These are unprecedented occasions and many industries are feeling the impact of COVID-19 – particularly the Travel Industry.
You have dreamed of travelling for years, and travel choices are more quite a few than ever. Simple, If you could have a number of trips scheduled over a interval of a 12 months. For many immigrants who live and work within the US, having their parents come and visit from overseas is a prime priority. Some parents choose to stay for an prolonged time frame on a visitors visa, while others come for a shorter stay. Regardless of how lengthy parents and relatives come to go to, it’s imperative to have visitors insurance for them to have the absolute best stay in the USA. To highlight the significance of reading policy paperwork from begin to finish, Squaremouth awarded one customer $10,000 in a secret contest for being the first to read hers.
Yes, we all know that most individuals take pleasure in a drink while on holiday however you aren’t covered for any claim the place alcohol is a factor. Yes, you possibly can even be covered if you have to cancel as a result of your wedding ceremony has been cancelled and due to this fact the honeymoon is off. The British and Foreign Commonwealth provides good free travel advice – verify their recommendation on the place you are going earlier than you e-book your trip. You, Your travel companion or someone designated by You must telephone + instantly when Your condition has been stabilised in the emergency division. How Patricia and Charles discovered it is essential to have coverage.Read their story. Compare all plans for the pricing and options side by side and choose one that meets your price range and matches your want.
Moreover, only care or therapies which are covered by your authorities health and hospitalization plan are coated by this travel insurance. For example, remedy supplied for esthetic purposes is excluded. There isn’t any want to pick out or purchase a separate seniors travel insurance policy. Simply select the annual multi-trip choice in the quote box above alongside along with your age, travel dates, and destination.
If the policy is marked with a red ‘Answer Medical’ button — you will need to click on to open the questionnaire. Once full, you’ll be returned to the quote page where the price has been refreshed with the blue ‘Purchase’ button. You can find all these insurance policies online, however typically, it is just easier to name us and allow us to allow you to personally.
Choose a worldwide policy if you don’t know the place you’ll be travelling to. Otherwise it’ll be cheaper to exclude the US or to focus on one region like Europe. We don’t fear about baggage cover or cancellation cover, however you have to decide if they are important to you.
Our emergency medical travel insurance offers up to $5 million in coverage, with no deductible. You can select between a single-trip plan for all ages or a multi-trip annual plan. Trip Cancellation, Trip Interruption and Baggage insurance can also be available to all ages. Coverage includes trip cancellation as much as $15,000, unlimited trip interruption and as much as $1,500 for luggage loss, theft and harm. Travel insurance offers medical insurance which covers the policy holder for unforeseen emergency medical and non-medical expenses while outdoors India.