Travel insurance for international and domestic trips is somewhat considered unnecessary by Indian travellers. It is generally presumed that nothing unfortunate would happen, often undermining the significance of why every traveller should get his trip insured.
In actuality, eventualities can knock anytime. And buying travel insurance for your trip, mainly abroad, is a significant aspect of a journey which should be taken seriously. Having the right travel insurance policy can save you a fortune, given exorbitant medical fees overseas in the event of an emergency.
Answering the Why: Life is unpredictable, and so can your travel plans. For domestic and international travel, buying a travel insurance policy is essential to cover any unforeseen circumstances - like medical/ health emergencies, lost baggage, missed flights, loss of passport/documents, personal liabilities, and hijack and repatriation.
It also covers non-refundable things in case you fall sick before your trip, the demise of someone close or even natural calamities. There are multiple plans, and the coverage amount varies too. So, you can compare travel insurance policies online from at least 2-3 insurance companies and decide which one will best suit your needs.
For local travel, you're not driving your travel trailer; you aren't required by law to have travel trailer insurance on a vehicle you tow with a car or truck. Most travel trailer policies include comprehensive coverage. It's up to you if you want to add collision, but most financers will require you to carry both.
The trick lies in purchasing foolproof travel insurance that offers timely compensation in case of an emergency situation. The eternal question, whoever remains: How to compare and finalize the right travel insurance plan that meets most of your requirements.
Based on your priorities, you can compare travel insurance policies online and choose the one which will give you maximum coverage. Avoid falling into a cheap or very economical approach; make sure it gives you enough health insurance coverage in case of a mishap.
A good travel insurance policy protects you from pitfalls such as trip delay or cancellation and loss of passport and baggage. If your travel itinerary is long and your air ticket is also non-, it is wise to have travel insurance coverage. If you want medical insurance when travelling abroad, check Covertrip to know more about travel insurance coverage this 2022.
And if you travel regularly, it is advisable to buy an annual plan as it will be a more convenient and cheaper option for you. It will cover you for a year during both personal and business travel.
It comes in handy when there is a medical emergency or your meet with an accident during your trip. Moreover, with the cashless facility, you can save yourself from shelling out hundreds of dollars in an unknown country.
The trick lies in purchasing foolproof travel insurance that offers timely compensation in case of an emergency situation. The eternal question, whoever remains: How to compare and finalize the right travel insurance plan that meets most of your requirements.
Several factors need to be considered while buying travel insurance online as follows:
- 1. Comparison - Evaluate what you need and research other insurance companies, their background, records, and customer reviews. After analyzing the benefits and suitability, you can determine which one better secures your travel needs.
- 2. Types of Insurance - There are different insurance plans for international travel, domestic travel, family travel, student travel insurance and senior citizen. Those 65 and above can choose an old citizen plan allowing coverage for prior illness in certain conditions and fortuitous death.
- 3. Duration of the Stay/Travel - The longer your journey, the more significant the premium and vice versa. You can also choose from yearly travel insurance premiums if you frequently fly for business purposes. People who travel for leisure can also take an insurance policy.
- 4. Age limit - Obviously, risk cover varies with an age limit. If someone is 20-25 years of age, that person might get less insurance coverage than someone 50 years and above. The severity of the illness varies with age and medical travel insurance plans.
- 5. Medical Exclusions - Your insurer should know about your current medical conditions so they can inform you about a suitable travel insurance policy accordingly. Some insurance companies may agree to cover your medical needs. Sometimes, they may even take some extra premium or disagree with including specific conditions.
- 6. Destination - In India, travel insurance is comparatively less expensive than in other countries. So, in this case, the premium will vary if you travel to the United States or Thailand. That is why it is essential to choose your travel insurance plan as per the country you are travelling to or are planning to go to.
- 7. If You Are Doing Any Adventurous Sports - If you love adventure and are planning to take up some extreme adventure sports like skydiving or scuba diving, then you can buy specific travel insurance that covers adventure sports.
Based on your priorities, you can compare travel insurance policies online and choose the one which will give you maximum coverage. Avoid falling into a cheap or very economical approach; make sure it gives you enough health insurance coverage in case of a mishap.
A good travel insurance policy protects you from pitfalls such as trip delay or cancellation and loss of passport and baggage. If your travel itinerary is long and your air ticket is also non-, it is wise to have travel insurance coverage. If you want medical insurance when travelling abroad, check Covertrip to know more about travel insurance coverage this 2022.
And if you travel regularly, it is advisable to buy an annual plan as it will be a more convenient and cheaper option for you. It will cover you for a year during both personal and business travel.
It comes in handy when there is a medical emergency or your meet with an accident during your trip. Moreover, with the cashless facility, you can save yourself from shelling out hundreds of dollars in an unknown country.
