Travelling certainly has its own joys, such as experiencing new cultures and cuisines and perhaps soaking in the scenic beauty. It can also pose some troubles, especially if traveling without travel insurance.
Opting for travel insurance can ease your mind and prepare you to deal with any problems that may arise during your trip. These problems can be related to medical emergencies, accidents, death, loss or delay of baggage, theft, cold weather conditions, flight scheduling issues, among others.
Having said that, it is not enough to buy just any travel insurance, as it can become a costly affair if you don’t know what you are looking for. You need the right travel insurance that is tailor-made to suit your personal requirements. In this article, let us discuss some nifty tips that can make you an intelligent travel insurance buyer –
1. Research and compare different policies
Before selecting any insurance plan, make sure to research the different available programs. Travel policies are public in various types, which are suited for other purposes. If traveling within the country, domestic travel insurance is designed to take care of the additional risks. Similarly, if you are a student, a travel insurance plan for the student is a policy to consider. Again, based on the type of travel, you can choose a suitable travel insurance cover. Researching on the different available plans helps to find the right travel insurance cover. Moreover, the comparison is also essential to check which policy offers all the features you need in a travel cover. *
2. Look for maximum coverage
Availing a policy that offers maximum coverage helps you benefit from a safety net when needed. You cannot estimate which type of inconvenience may be exactly faced during your travel. It can either be your flight getting canceled, loss of baggage, or even delay in flight which may lead to rescheduling of your connecting flight; the possibilities are endless. With a travel insurance plan with maximum coverage, all these different perils are covered without the need to worry about them. *
3. Check the must-have features
If you have a tight budget, your entire trip is at a bit of expense. That’s when you might need to cut a few corners when it comes to travel insurance. At these times, you can check for a few key features to be included in your travel insurance policy. Medical expense cover, flight cancellation charges, baggage loss, personal liability coverage are a few. *
4. Get travel insurance beforehand
Most buyers make an error by putting it a last-minute decision to buy travel insurance. Their priority is the lowest for it. However, for an intelligent buyer, it must be right up on the top after booking your tickets. An early purchase helps to shortlist suitable plans. While some countries require mandatory travel insurance, putting it to the last minute might even result in forgetting to buy one. *
5. Pre-existing medical conditions
When you seek travel insurance coverage, make sure to inform the insurer about any pre-existing conditions. This is specifically useful for elderly travelers that might require medical attention even in a foreign land. This way, any unexpected needed medical treatment can be covered under the policy’s scope. *
* Standard T&C Apply
These are some tips that make you an intelligent buyer of travel insurance plans. Keep them in mind the next time you are booking your flight ticket. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.