At least once in their lifetime, everybody plans for that perfect vacation. Be it that romantic walk in Paris, chasing those Northern Lights in Ireland or that Shikara ride in Kashmir.
You want it to be all perfect without any glitches. You plan for all the flight bookings, hotel reservations, local sightseeing and what not. But have you ever wondered you leave the most important planning aspect behind or rather ignore it completely for domestic travels. That important aspect is your buddy travel insurance. For any international travel it is mandatory to have travel insurance but the same is not the case for domestic travels. With so many options available for travel insurance online it is very easy to choose domestic insurance plans. Travel insurance provides you a shield against missed or cancelled flights, lost baggage, hospitalization, lost passports or travel documents. By shelling in some extra money you save so much more and have a hassle free vacation. Since there are so many options available, it is very convenient to book travel insurance online. Depending upon your needs and travel, you have domestic insurance plans and international insurance plans. Before buying any travel insurance plan you should always check for the below mentioned points: 1. Destination The coverage provided by any travel insurance plan online or offline is always dependent upon the destination you are travelling to. The insurance plans are basically designed keeping in mind the service one might need in any country. For example, the travel insurance premium will be higher where medical facilities are more expensive. In order to get the best benefits out of your insurance, always research about your destination well in advance. You may like to read : Best Travel Insurance Plans India 2018 2. Length of Your Stay Before buying any travel insurance policy online, always consider your travel frequency. The cost of premium is always higher in long duration of stay as the administrative cost is significantly higher in such cases. If you have frequent trips pre planned it is always better to opt for annual policies. 3. Activities During Your Vacation Plan out for the type of vacation you intend to have - a relaxed vacation or one filled with adventures. Depending upon the activities you will be doing, you should choose your insurance plan. Let’s say if your intention is to go for some adventure sports it is always beneficial to explore travel insurance online to get added coverage. For any domestic travel insurance plan you will have to buy any added cover for these activities. 4. Claim Process While choosing any travel insurance online, always make yourself familiar with their claim process. You should keep all the travel documents and contact numbers handy in case you have to make a claim urgently. Also note the claim process for both domestic travel insurance plan and international plan will be different from each other. Different travel insurance policies provide you different types of coverage: 1. Trip Cancellation and Lost Baggage This can be the biggest nightmare for any traveller. Your entire trip will come to a halt. To avoid any such issues this is covered under your travel insurance. This coverage will enable you to get the refund on the cancelled flights and avoid monetary losses. Lost baggage and trip cancellation is available even for domestic travel insurance plan. 2. Protection from Theft The last thing you want to experience during your vacation is the theft of your belongings. Today we usually travel with so many high end equipments, like laptops, phones, cameras, etc. Before purchasing any travel insurance online, always make a list of all these items and evaluate their cost. 3. Value Added Plans There are various travel insurance policies online which provide you added benefits at a very nominal cost. Like the comprehensive policies that offer you additional coverage for rental car accidents. 4. Accidents under the Act of Alcohol and Drugs While buying any travel insurance online, always research about their inclusions and exclusions carefully. Most of the domestic travel insurance plans and also international plans do not provide any coverage for health conditions or accidents which happen under the influence of alcohol and drugs. Any such pre-existing medical conditions should be reported earlier in order to avoid cancellation of your policy. Different insurance companies have different plans and it is always better to enquire about your requirements beforehand. The premium for the policy depends upon the age of the most elder person traveling; it is always advisable to purchase a separate plan for any traveller above 65 years of age as the premium is usually high for senior citizens. Travelling is a form of making memories and nobody wants to have sour ones. A well planned and executed trip will help you make beautiful travel memories which you will cherish for the years to come. For more updates and News follow Policybazaar Youtube
1 Comment
10/19/2023 04:18:54 am
This insurance article is a wealth of essential information! It breaks down the complexities of insurance in a clear and user-friendly way, making it easy for readers to understand the importance of coverage. Kudos to the author for simplifying a crucial topic.
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AuthorInsurance and financial manager. Archives
May 2018
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