Tips on buying travel insurance for your next trip

If you were not happy with the services of your travel insurance provider during your last trip, then probably you didn’t do your homework well. As there are many travel plan providers in the market, it often happens that consumers make the wrong choice due to confusion. So here are a few tips that’ll help you make the right choice this time –

Check if the plan covers important aspects of travel
As the rule of the thumb, always opt for a comprehensive travel plan when intending to buy one. You never know what mishap awaits you on the trip, being prepared is the only wise thing you can do. So make sure your plan offers you coverage on the major aspects of the trip –

Medical & Personal Accident cover
Check if your plan offers you cover in case of medical emergencies duly supported by a cashless facility in the country you visit. Normally travel plans offer coverage for cost incurred in the medical treatment as inpatient. Some Travel policies cover outpatient treatment charges too , if it is so essential and could not be deferred till the Insured Person reaches back to India. It also gives financial compensation in case of accidental death/dismemberment of organs. Also, they help one with the regular hospital admission formalities.

Trip inconvenience
Flight delay does not only directly mean that your late landing, but also brings associated inconveniences and situation to buy extra food, clothing , toiletries etc., Travel insurance also offers to cover the cost incurred in case of flight delay.

Loss or delay of baggage
Loss or delay of checked in baggage is possible inconvenience during a trip. Travel policy should also cover such situations. Travel policies offer reimbursement for cost of buying essentials in case of delayed arrival of baggage, while it gives a defined amount in case of total loss of entire baggage.

Loss of passport and travel documents :
Policies also cover the cost of re-applying for passport and travel documents in case you lose them on the trip.

Automatic Extension of cover:

If your travel policy is expiring but your trip back to home country is getting delayed due to delay in Common Carrier, no worries. There is a facility of automatic extension of cover upto 7 days which comes absolutely free of cost & procedures.

Emergency Evacuation:

If an emergency situation arises which compels evacuation to home land, & in some cases if a person also should accompany, travel policy shall bear the cost of such evacuation & accompanying person cost.

Legal assistance –
In case you fall into an unfortunate mess of any legal liability on the trip with no fault of yours, your policy should help you with legal help and reimburse the cost for the same.

Check the claim settlement record of the company –
The most crucial time for any customer of travel insurance is that of claim settlement. Delay in the settlement process mostly gets the consumers dissatisfied with the policy. Hence, make sure the company you opt to buy your policy from has a speedy record of claim settlement.

Look for constant trip assistance –
It is important to make sure that the travel insurance offers you constant assistance through a helpline on your trip. This is important in case you need help for emergencies like need medical assistance, financial emergency etc.

Make sure to use these tips when buying a right travel insurance plan for your next trip.

A Look at International Travel Health Insurance

It is a fact that we seem to be more likely to have an accident when we are in a strange country than we are at home which makes traveling without travel accident insurance rather foolish. More than just for unforeseen medical emergencies, travel accident insurance can be used to cover an unexpected return trip, evacuation, personal belongings, lost or stolen baggage and even travel delays. Be aware though that checking the travel accident insurance beforehand is important as many of the eventualities you need covered may be extras; not just the amount of cover but also what happens if your trip is cancelled or there is a problem with your luggage for example.

It may be time consuming to search, compare and choose the best travel and medical insurance types and prices to suit your needs and budget but it is well worth it for your peace of mind. Many travel agents are not fully knowledgeable when it comes to understanding the details of various travel accident insurance policies and may overlook something that could be important to you or your family and few offer suggestions. In your search, don’t forget online consumer and comparison websites that do all the research for you, so all you have to do is choose the best policy for your needs.

It is not uncommon for your existing health insurance to make provision for some medical expenses when you are out of the country but travel accident insurance can provide a complete service (depending on the options you included) up to and including an emergency air ambulance etc. The items covered in your travel accident insurance should not just be about medical problems but also other inconvenient situations such as lost or stolen luggage plus cancelled or delayed flights all of which need to be reimbursed. A good travel accident insurance policy should also include twenty-four-hour emergency medical assistance, and a money-back guarantee for delays in baggage delivery. Many travel medical insurance policies do not provide financial benefits to those individuals who are required to stay in hospital overnight when the usual amount is at least 0 per night.

When an insurance claim has to be lodged owing to an incident it is important to notify the company who has supplied your travel accident insurance as soon as you are able. When you return from your vacation, you will need to collect all your receipts, proof of ownership (where necessary) and any other relevant information collected from the Police or medical establishments and forward them all to the insurance company claims department to assist in an early settlement.

Although you may feel that your travel insurance company may not be that helpful, that is not the case and they will do everything they can to help the situation if you let them know what is happening and do not forget that they will more likely have previous experience with the problem. Choosing your travel accident insurance may at first seem a trivial matter but you can guarantee if anything untoward is going to happen, it will happen when you are on vacation in another country and where you will need comprehensive cover the most.