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Posted by Royal Sundaram on 11 Dec 2015
Going out of town means freedom from work and the daily hustle bustle. Time spent with loved ones, relaxing. To ensure one has a safe trip, it is essential to have a good Travel insurance in place.
Why should you buy travel insurance?
There are a host of reasons you should buy travel insurance.
1. to get protection against flight cancellation,
2. lost baggage, passport or wallet theft, accident and
3. adequate medical treatment or even
4. cancellation of your trip.
It is surprising that many travelers are not aware of travel health insurance or baggage coverage. Here is a brief on what to know about Travel insurance.
What to look for in a travel insurance policy?
It is wise to compare between policies offered by different insurers. Do not look at just the price, also compare the benefits and exclusions.
Be wary of travel agents who force you to take travel insurance from them, selling it as a special deal. Check if you get better benefits at a lower rate if you buy the travel insurance separately.
Check if the policy will be effective immediately on purchase or if there is an activation period. Also read the fine print to become aware of payment towards expenses, will you have to foot the charges or will they be reimbursed directly by the insurance company. This will save you from many a heart ache, especially when travelling abroad.
If you have further doubts or queries, get them clarified by your insurer. It pays to be careful about incidents relating to extreme adventure activities such as bungee jumping, or hot air balloon rides, which might not be covered by the insurer.
Check if you can buy travel insurance online, since you can enjoy lower premium and there is no documentation required.
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