Travel Insurance Cover

Overview

This article explains some other interesting features that could be covered under Laferla Travel Insurance.

   Am I Covered for Hiking Under Travel Insurance?

Yes! Laferla Travel Insurance covers hiking and trekking, although coverage may depend on the altitude and difficulty level.

What’s Covered?

• Hiking on marked trails below the altitude limit stated in your policy.
• Medical expenses if you are injured while hiking.
• Emergency rescue if medically necessary.
• Trip cancellations or interruptions due to covered reasons.
  
   

What’s Not Covered?

1. Hiking above the maximum altitude limit (e.g., 3,000m)
2. Extreme trekking, mountaineering, or climbing with ropes and special equipment.
3. Accidents caused by reckless behaviour (e.g., ignoring safety guidelines).
4.  If you were under the influence of alcohol or drugs at the time of the accident.
   
    

How to Make a Claim?

•  In case of injury, seek medical attention and keep hospital/doctor reports. Contact our 24/7 Assistance team at [phone] if you need assistance.
•  Get receipts for medical bills or rescue services.
• Submit a claim to Laferla with all supporting documents.
   

NOTE:

If you plan to hike above the standard altitude limit or in remote areas, please contact our team to            confirm whether we can cover your adventure.

   Am I Covered for Rental Car Excess Under Travel Insurance?

Yes! Laferla Travel Insurance provides cover for rental car excess, meaning if your rental vehicle is damaged or stolen, your insurance can reimburse you for the excess amount charged by the rental company.

However, it is important to take not of the maximum limits offered under your chosen travel insurance policy, as some rental car contracts may implement a higher excess by default.

What’s Covered?

• Excess reimbursement – If your rental car is damaged or stolen.
• Damage to the vehicle – Includes scratches, dents, and accidental damage.
• Theft of the rental car – Subject to policy terms and conditions.
  
   

What’s Not Covered?

1. If you were driving under the influence of alcohol or drugs.
2.  If you violated the rental agreement (e.g., off-road driving).
   
    

How to Make a Claim?

• Request a damage report from the rental company.
• Obtain receipts and proof of excess payment.
• Submit your claim to Laferla with supporting documents.
  
   

NOTE:

Cover applies only to rentals under a valid rental agreement, and the maximum excess reimbursement is subject to your policy limit. Also, you must pay the rental excess first, then claim it back from Laferla.

   What is Covered Under Laferla’s 24/7 Assistance for Travel Insurance?

Laferla Travel Insurance includes 24/7 Emergency Assistance, ensuring you get help anytime, anywhere.

What Services Are Included?

• Medical Assistance – Help with hospitalisation, doctor visits, and medical evacuations.
• Lost Passport or Travel Documents – Guidance on replacements.
• Emergency Cash Advance – If your wallet is stolen, we can assist.
• Legal Assistance – If you need urgent legal help abroad.
• Flight or Accommodation Issues – Assistance with unexpected cancellations.
  
   

 How to Request Assistance?

1. Call the 24/7 Emergency Helpline: [phone].
2. Provide your policy number and location.
3. Explain your situation and the type of help needed.
   
    

Step-by-Step Instructions

• Account is active
• Required documents uploaded
• Payment method verified
   

NOTE:

Medical expenses must be pre-approved for direct billing, all receipts as well as other documents for claims processing need to be presented. Also, kindly be informed that some services may have coverage limits, so check your policy details.