Travel Insurance

Visa requirement

Some countries have made Travel Insurance as mandatory pre-requisite for Visa Application or for getting immigration stamped for visitors. In the absence of insurance the country may prohibited you from entering or getting Visa stamped. Your travel agent may be able to guide you if your destination country has made travel insurance a pre-requisite for visitors.

Avoid Travel Mishap

Travel mishaps such as loss of passport, baggage, flight delays, missed flight, emergency evacuation may incur during your trip. Travel insurance plans are designed to provide financial support if such and various other incidents occur.

Medical Emergency

Healthcare abroad is 3 to 5 times more expensive as compared to Pakistan. When a medical emergency occurs in a foreign country, where you are not aware of what hospitals to look for; travel insurance supports you financially and as a best friend through 24/7 assistance service by facilitating you with the best hospital. Best Travel insurance policies not only cover for out-patient expenses but in case of a life-threatening situation extends coverage to pre-existing ailments.

24/7 Travel Assistance

Unfortunate events occur throughout life, but if these happen while you are outside your home country, you need a local support. Since Travel insurance is designed to support you during your trips, this also provides you support service wherever you are across the global. The travel assistance service providers assigned by your insurance company makes sure that immediate assistance is available for an evacuation, admission to the nearest hospital or guidance on process for reissuance of misplaced travel documents. You enjoy a hassle-free process as customer care would work with the local medical provider or authorities directly and ensure that you are relieved of this stress.

Budget Lock

Travel insurance helps you maintain your trip expensive within the budgets. Since you exchange unforeseen expenses with an insurer against premium, you know exactly what expense you would make for the trip, hence you maintain within budget.

Protect Pleasant Memories

Travel insurance is designed to keep you contented until you return home with pleasant memories of your trip. Any unfortunate event that would incur financial loss or produce any sort of hassle are absorbed by the insurer and the global assistance service provider.

Travel insurance is a package policy with wide range of coverage clubbed. The product is designed to cover all major uncertain adverse events during a trip from home to destination and return. Find the below list of coverage and features.

Coverage

• Medical Expenses & Hospitalization Abroad
• Transport or Repatriation in case of illness or Accident
• Repatriation of Mortal Remains
• Dental Care (Emergency)
• Repatriation of Family Member Travelling with the Insured
• Travel of One Immediate Family Member
• Delivery of Medicines
• Relay of Urgent Messages
• Long Distance Medical Information Service
• Medical Referral / Appointment of Local Medical Specialist
• Loss of Credit Card
• Delayed Departure
• Loss of Passport
• Loss of Checked-In Baggage
• Accidental Death (AD) & Permanent Total Disability (PTD)
• Trip Cancellation
• Delay in the arrival of luggage
• Return of Dependent Children
• Emergency Return Home Following Death of close Family Member
• Personal Liability

Features

• 24/7 Worldwide Assistance Services
• 24/7 Hotline
• Direct billing facility in some plans

Insurers vary in terminology of the plan for the marketing purpose. However, the coverage is somewhat similar. Below is a more generic terminology with the intent and coverage that insurers in Pakistan use for Travel Insurance plans.

Schengen

This plan is designed to meet requirement of travel insurance when applying for a Visa of Schengen countries. This plan covers a minimum of EUR 30,000 medical expense as required by Schengen countries.

Hajj & Umrah

Relief yourself from risk of uncertain events by getting your Hajj, Umrah or Ziarat to Holy sites insured. This product is specially designed for the pilgrims to perform their Hajj & Umrah with a peace of mind and travel back to their loved ones safely.

Student Plan

Traveling for higher education, trainings or on student exchange program, Student plan is designed for students to cover health expenses, emergency return to home, and other benefits during their stay abroad for study.

Domestic Travel

Exploring Pakistan with family, travelling domestically on business trip or for a family commitment, this is the most economical plan that covers you from any medical emergencies, flight delays, loss of baggage or CNIC and a lot more.

Worldwide

Travel anywhere across the globe with high limits of coverage and benefits. This plan is most suitable to travelers with high volume of annual trips. The coverage limit for most insurers for this plan starts at USD 50,000.

Rest of the World

Looking for minimum coverage at low cost? Don’t worry, rest of the world plan gives you all features of best travel coverage with low limits at low premium. This is best for those who do not require travel insurance to meet visa requirements.

Comet has made life easy by shrinking the requirements and bringing all insurance in one place and ensuring adequate coverage is available. You can buy insurance in the following 3 steps:
Step 1 – Fill the fields with your details
Step 2 – Evaluate the comparison or seek our insurance expert’s assistance
Step 3 – Make payment to buy insurance coverage & received insurance certificate via email

Comet is pioneer in offering Travel Insurance portal to Travel Agent with range of multiple plans of various insurance companies all in one place. Comet’s Insurance Manager provides its corporate customers with the following facility on the portal;

Insurance Manager Facilities

• Dashboard
• Issue Policies
• Cancellation & Refund
• Claims Support
• Track Status
• Credit Facility
• Payment Module
• Receipt Voucher
• Reports
• Statement of Accounts
• Expert Advice
• Help Desk
• Complaint Register
• Training Sessions

Claims will be settled directly by the insurer. However, if you are Comet’s customer, our insurance claims expert will lead you through the process, making sure all your valid claims are settled as per the policy terms. Following are the important instructions that need to be followed for swift claim settlement;

Important Notes

Notification - Notify all claims within 30 days of a claim event or as soon as reasonably practicable.
Supporting Documents - Submit all supporting documentation, e.g. medical reports, police reports, declarations, receipts, valuations or other such evidence we may request to assist us in the prompt resolution of your claim. Please refer details of required claim documents from your policy wording.
No Admission of Liability - For liability claims do not make any admission or offer. Request the claim against You be put in writing.
Local Authorities Reporting - All losses under Luggage and Travel Documents must be reported to local authorities and/or Your Transport Provider and written acknowledgment obtained.
Airline Reporting - Immediately report any luggage loss or damage to the airline or carrier involved and submit a claim to them. In some instances, they may be responsible for the damage and/or loss.
Direct Billing - Some insurers offer direct billing facility in limited plans where upon prior approval from insurer, you will be able to visit specified hospital abroad with having to pay anything other than excess (if any).
Worldwide Assistance Service – Immediately call the Assistance Service number given on your policy to minimize the loss and / or visiting hospital immediately.

• Leaving your belongings
• Claiming against an unapproved medical condition
• Engaging in reckless activities / behavior
• Participating in high risk sports & activities
• Travelling against government advice
• Ignoring road & driving rules
• Changing your mind
• Excess amount