Foreign travel insurance

People take travel insurances while going abroad, for example from Thomas Cook in india. Ans when one goes abroad he is either travelling or staying at home, hotel etc.

The terms & conditions in travel insurance repeatedly say harm , injury , accident etc etc while travelling.

In this background please advise whether travel insurance covers injury, accident  etc while not travelling, for exapmle staying at home during the foreign stay?  


Visiting Dubai was my biggest dream. In a few months we are going to spend our vacation there. Can't wait to see those amazing buildings with the colourful lights at night. We have already chosen the date but I still can't decide if I need an insurance or not... By the way, if you want to visit Dubai then follow this link , you can find some useful information there.




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