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.
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.
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.