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Blog > Travel Insurance > Why Taking Travel Insurance a necessity? Part 2

Travel insurance makes travel hassle-free and helps to prepare for the worst of all scenarios that you could unfortunately meet on your trip.

It wouldn’t be wrong to say that a travel plan is designed to take care of you and your belongings in a foreign country. Imagine, you are traveling abroad and unfortunately there is an accident. It’s obvious then that you will need immediate medical care but no travel insurance tends to make things worse. At the same time, being covered with a travel insurance plan tends to steer you through such a situation with complete ease.

A travel insurance plan not only takes care of your medical expenses, but it helps you combat situations like the ones mentioned below:
1.       Flight cancellation. 
2.       Loss or delay of baggage.
3.       Stolen passport or wallet.
4.       Medical emergency.
5.       Trip cancellation. 
6.       Victimized by a terrorist attack.
7.       Trip curtailment.
8.       Trip delay.

Travel insurance policy acts like a cushion providing you with much needed comfort in case you find yourself in a tight spot in a foreign land.

Whether you are traveling to a country where you will be offered visa on arrival or to a country where you file for visa before-hand, one should always opt for a suitable travel insurance plan.
For your reference, enlisted below are the countries, both, with and without a mandatory pre-condition for travel insurance.

Countries offering visa-on arrival to Indian passport holders and do not have a mandatory pre-condition for travel insurance:
Thailand Ethiopia Jamaica Bolivia 
Laos Madagascar Saint Vincent Guyana
Cambodia Kenya Grenadines  
Hong Kong Djibouti Trinidad  
Indonesia Guinea-Bissau Tobago  
Jordan Mauritius El Salvador  
Nepal Tanzania Saint Kitts  
Maldives Uganda Nevis  
Macau Burundi St Lucia  
Sri Lanka Cape Verde    
Timor Leste Comoros    
·         Mozambique, Indians can obtain a visa on arrival for a maximum stay of 30 days at:
                                 i.      Beira
                                ii.      Nampula
                               iii.      Maputo
                               iv.       Pemba
                                v.       Tete (provided they are holding a return/onward ticket)
Visitors are also required to hold proof of sufficient funds to cover their stay and documents required for their next destination.

·         Seychelles – Visitors can obtain a "Visitor's Permit" on arrival for a maximum period of 3 months, if holding a return ticket (if not, then a return ticket must be purchased on arrival); sufficient funds (minimum of USD 150 or equivalent per day); and proof of accommodation during stay.

Below given four island nations are the only ones that offer a visa on arrival to Indians.
·         Fiji
·         Samoa
·         Nauru
·         Tuvalu.

Also, Indians can obtain visa-on arrival in the countries mentioned below provided they are being pre-cleared before arrival in the country. Pre-trip formalities may vary from one country to another.
Cameroon Iran Liberia Turkmenistan 
Congo DR Israel Mongolia  Vietnam
Eritrea Kazakhstan Myanmar  
Gabon Kyrgyzstan Sierra Leone  
Ghana Lebanon Suriname  

Below are the 26 Schengen countries that have travel insurance as a mandatory pre-condition for processing visa applications further:
Austria Germany Luxembourg Slovenia
Belgium Greece Malta Spain
Czech republic Hungary Netherlands Sweden
Denmark Iceland Norway Switzerland
Estonia Italy Poland Liechtenstein
Finland Latvia Portugal  
France Lithuania Slovakia  
You must take note of the fact that all European countries do not come under the category of Schengen countries.

Disclaimer: This travel insurance pre-condition by Schengen countries is subjected to change from time to time.

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