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If you plan a trip, include travel health insurance in your budget. Before selecting an insurance policy, one must evaluate one’s needs. Policy differences go beyond budget and coverage. A vacationing family’s needs may differ from an individual.
This brief guide will help you find travel insurance for your next trip.
Your insurance company
Travel insurance should be your next step after booking your trip. Ask your current insurer first. Travel insurance is free with some insurance/bank policies.
Policy term
Getting a single-trip or multi-trip international travel insurance policy depends on your travel plans. Single-trip policies cover one trip, such as a yearly vacation. Multi-trip policies are better for frequent travellers. Buying a multi-trip policy saves time and money. ##
Travel cover
Make sure the policy you’re considering covers your destination.
Policies vary in terms and coverage. Check global policy clauses for details and sublimits. Premiums vary by destination. Premiums and restrictions may be higher for travel to slightly higher-risk countries. Compare this feature with your shortlisted policies.
Family/couple/individual policy
Travel insurance for a couple or family is more affordable than one for each person. Choose a family policy that covers children. You can find these on a traveller’s insurance app.
Medical cover
Medical coverage is the most critical part of any travel insurance policy due to rising medical costs worldwide, especially in the U.S. and Europe. A good travel insurance policy will cover unexpected medical expenses while travelling abroad.
Luggage/personal property cover
Travel insurance should cover lost luggage. Luggage loss terms vary by policy. Some policies only cover total luggage loss or exclude hand luggage.
Protect valuables
International travel insurance covers your passport, wallet, and jewellery. In a new country, theft and loss of valuables can leave one stranded.
Electronics cover
Most basic travel insurance policies do not cover phones, laptops, and cameras. Read the policy carefully and ask the concerned person if such items are covered if lost.
Flight cover
Travel insurance rarely covers missed flights. The insurer would only cover your flight if you left on time. You’ll likely be reimbursed for travel if you must leave your holiday destination due to political unrest or another covered reason.
Claim cap
Every domestic travel insurance policy has coverage limits. In case of a medical emergency, or loss of passport, wallet, or electronics, your policy will only cover each claim up to a specified limit.
Vacation activities
Vacations are spent outside your hotel room. The place’s attraction will determine your activities. Before buying, check the policy’s fine print to ensure it covers your trip’s activities.
Cancellation cover
Cancelling or shortening a vacation due to an emergency is frustrating and disappointing. An ideal cancellation cover should cover prepaid expenses and your return tickets home.
Emergency aid
During emergencies, travel health insurance may be your best option. Getting a policy with emergency assistance is best so you’ll always have help.
These are the reasons why you should read reviews of travel insurance companies before you go and buy a travel insurance plan!
Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.
## All savings are provided by the insurer per the IRDAI-approved insurance plan. Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
