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Travel insurance guidelines for your next trip

Posted by Royal Sundaram on 09 Apr 2013

Back from your vacation and can’t wait to plan for another one? This is pretty normal as a vacation is what everyone craves for. But if you went on this vacation without a travel insurance plan, don’t repeat the same mistake. Packing your security with you is as important as booking your tickets. It ensures you have a fun trip with the much needed peace of mind. Your key to getting a well secured trip is as below –

 

Buy policy on time –

Just like you are careful to book your tickets and make the hotel reservations in a timely manner, give travel insurance the same importance. You can also buy the policy a few days before your trip to ensure a longer cover. But do include it in your to do list. Also, if you plan to have many trips in the given year then buy a multi trip plan that will cover you for 365 days.

Buy online –

Buying travel insurance these days is as easy as buying a holiday package online. All you have to do is finalise on a plan and click the buy now button present on the provider site. This is a hassle free process with less documentation requirement. But the greatest benefit of buying online is that you definitely get some discount on the premium of the insurance plan.

Don’t rely on your health insurance –

Most of the health insurance plans in India do not cover cost for medical expenses insured in hospitals out of India. So, if you were to rely on your medical insurance plan to cover any emergency hospitalization on your trip, it would be a big mistake. In fact the medical assistance offered by travel insurance gives you constant support in such situations and even covers emergency evacuation, organ transplant and much more.

Compare features –

A wise thing to do while buying travel insurance is to compare the various plans available. Every plan more or less offers the same features but some may not have what you are specifically looking out for. So read the plan in detail and compare them for their benefits, coverage, claim settlement record and cost.

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