# Travel Insurance from TPL Insurance

Travel insurance at best rate.

## TPL Travel Insurance

With TPL [Travel insurance](https://smartchoice.pk/insurance/travel), pick your policy based on the destination, activity plans, and needs. The motto of TPL general insurance is "Go ahead. Explore." Whether you are traveling for business or pleasure, solo or with family, TPL General Insurance has a plan that provides the desired coverage. From the moment you check in at the airport to the moment you check out on your return, we help you keep it worry-free.

Going on a sacred journey? Pick your cover as per your plans: Off to study abroad? Pick your cover and pay your premium with or without tuition fee and avail other benefits.

#### Types of Plan Available

1. Domestic (Individual and Family)
2. Hajj, Umrah & Ziarat (Individual and Family)
3. International
4. Student Guard

#### Plans category:

The plans are available in basic, silver, gold, platinum, and diamond categories. The plan varies in their premiums and the coverage provided by the TPL General Insurance.

#### Plans Availability:

All the plans available with TPL general insurance are available for individuals and families. The family coverage will include the policyholder and the spouse and three children from one month to 18 years of age.

## Features of TPL Travel Insurance Policy

- **Accidental death & permanent disability**: This feature covers the unintentional and accidental death or mutilation of the policyholder. Dismemberment includes loss, or the loss of use of body parts or functions (e.g., limbs, speech, eyesight, and hearing).

- **24/7 Customer Support**: Stay protected with TPL Insurance and get access to instant travel assistance services. Our 24-hour support service will assist you anywhere in the world.

- **Emergency medical evacuation**: Your medical condition warrants immediate transportation from the place where you are injured or sick to the nearest hospital where appropriate medical treatment can be obtained.

- **Repatriation of mortal remains**: TPL Travel Insurance will pay benefits for expenses incurred to return the policyholder's body to their home country if they die.

- **Loss of baggage or delay of baggage**: Coverage for loss of checked-in baggage, the travel insurance will reimburse you for the expense of necessary personal effects if your checked baggage is delayed or misdirected.

- **Global coverage and direct medical payments**: TPL Travel insurance pays for medical expenses and hospitalization expenditures abroad as per the purchased plan. Covered medical expenses include:
  1. The services of a physician
  2. Hospital confinement and usage of operation theatre
  3. Anesthesia and laboratory tests
  4. Ambulance service
  5. Drugs, medicines, and therapeutic services.

- **Emergency dental care**: Provides coverage for dental care required due to an accidental medical emergency.

- **Loss of CNIC**: If the policyholder loses their CNIC while traveling, it will be covered under the loss of documents clause.

- **Emergency evacuation and return home of the policyholder**: Offers repatriation in case of an accident or medical emergency.

- **Return of dependent children**: Provides a chaperon to the dependents (children) of the policyholder in case of an unforeseen emergency.

- **Loss of passport**: Applicable if you notify the Assistance Service that your passport has been lost.

- **Flight delay or cancellation**: Benefits for flight delay or cancellation subject to maximum shown in schedule.

- **Trip cancellation**: Benefits paid if a trip is canceled or interrupted due to unforeseen circumstances.

#### General Exclusions

These exclusions apply to all benefits:
- Intentionally self-inflicted injury or suicide
- Pregnancy or childbirth
- Participation in professional or organized sports
- War or act of war
- Operating or learning to operate any aircraft
- Loss or damage caused by detention by customs.

#### Conditions for a refund on travel policy
1. Customer has to return original policy with an application requesting cancellation.
2. Original passport must be verified by authorized personnel.
3. Cancellation is only possible before the effective date.
4. Original letter of the consulate rejecting the visa must be submitted.

No cancellation will be done if:
- Visa has been issued before the effective date of the policy.
- Travel has been carried out before the effective date.