Then, there are other risks that may not cost as much but are capable of derailing your travel plan. “Check if your policy covers loss of passport, other documents and baggage, trip delay and cancellation, financial emergency assistance and cancellation for hotel and airline,” says Parag Gupta, Chief Underwriting Officer, Bharti AXA General Insurance. Also, ascertain whether legal expenses incurred due to third party liability are covered. Non-monetary aspects too deserve attention. “The service provider network must be robust and should ensure hassle free cashless services globally and all assistance should be provided by the appointed service provider, including translation services in certain countries of travel,” points out Srinivasan.