If you are travelling abroad, then getting good international travel insurance plans is one of the most essential part of preparing for your trip. In fact, a lot of foreign countries have made it mandatory for people to have international travel insurance plans before sanctioning their travel visa.
So do not put off buying travel insurance till just before you are going to travel. With online travel insurance plans being very easily available these days, getting one is not difficult at all. But choosing from the plethora of options that you have in the market can be quiet daunting. So read this to find out the things you should pay attention to while doing your online comparison of international travel insurance plans so that you are able to choose the best international travel insurance plans for yourself and your loved ones. Access a Reliable Website to do Comparison for Travel Insurance Plans First and foremost, you should access a good website where you can do reliable comparison of online travel insurance plans. Make sure that you visit a reputed website which has good reviews and good standing in the market. This is crucial so that you do not get hoodwinked into anything unsavory due to misinformation or misrepresentation of details and facts. Again, do use features such as filters that are available in policy comparison websites to make your search easier. Read Policy Coverage for your International Travel Insurance Plans Once you have accessed the website for comparison of online travel insurance plans, determine the extent to which you would want to have your travel covered by the insurance plans. This would be determined by three factors: • Your Destination The place where you would be travelling to, should figure prominently in deciding what sort of online travel insurance plans coverage you should get. For example, if you are going to some place that has bad weather that could possibly lead to delays and cancellations of flights or trains, you should get online travel insurance plans that would cover for this. You may like to read : Travel Insurance: Do You Really Need It For An International Holiday • What You Plan to Do at The Destination? The kind of activities that you would engage in at your destination should also factor prominently in deciding your coverage extent and subsequently, your premium paid. For example, if you are planning a holiday where you intend to take part in adventurous or risky sports and activities, you should ensure that you are covered for anything untoward that could happen. • Your Specific Needs Along with the above, there would be various reasons specific to you that would determine the extent of your online travel insurance plans’ coverage. These reasons could be health related or other reasons. Find Out Eligibility Criterion for International Travel Insurance Plans Before finalising which international travel insurance plans India to buy, always check the eligibility criterion of the plans. Knowing whether or not, you or your family is eligible for online travel insurance plans for family or individuals, would give you a good idea of the available plans that you can choose from. Especially if you are travelling with older individuals, do research online travel insurance plans for senior citizens properly. Read the Policy Inclusions and More Importantly, the Policy Exclusions Be meticulous in reading all the terms and conditions of the international travel insurance plans you compare and thoroughly go through the policy inclusions and exclusions of different plans. • Policy Inclusions Policy inclusions can usually be divided into the following categories: inclusion related to cancellations for flights and hotels etc., inclusion related to medical treatment, evacuations or hospitalisations, loss of baggage or delays in travel, along with inclusion of other benefits such as free car rentals or discounts etc. So do read all the policy inclusions while comparing. • Policy Exclusions Being aware of the policy exclusions is even more crucial than knowing about the inclusions. Having a clear idea of what you would not be covered for would let you have a clear idea of the shortcomings and rewards associated with different plans. Do All the Paperwork Properly Once you have decided which insurance policy to purchase, be careful while filling up the details of your policy. Ensure that the dates you provide are correct and so are details such as flights numbers and timings. Having all your paperwork would make your work extremely easy in case you have to file a claim later. Once you have filled all the details and made your payment, you are ready and insured for your international travel. Double check the date from which your travel insurance would come into effect and the date on which your coverage finishes. For more details check PolicyBazaar Customer Reviews & Ratings
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AuthorInsurance and financial manager. Archives
May 2018
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