5 Myths of domestic travel insurance plans busted

There are many misconceptions about travel insurance and most people do not have a clear understanding about its features and benefits. While people are somewhat aware of the regular insurance plans, they lack knowledge when it comes to domestic travel insurance plans. In this article, you can get to know about some of the common myths surrounding such plans. It is always a good idea to consult a professional insurance advisor when you want to buy travel insurance as this will help you to choose the best plan suited for your needs. If you are not able to approach any professional, you can visit the online portals that provide articles about insurance and get to understand the different plans available in the market. You can even compare different plans in this manner and select the suitable option for your travel needs. Once you are familiar with the concept, you can easily buy the best plan online and save time as well as money. Let us try to clear some of the myths about travel insurance in this article.

Travel insurance covers every damage during tour

Many people assume that when they get domestic travel insurance policy, every damage that happens during the tour will be covered by the policy. However, this is not true and you need to carefully read the inclusions and exclusions of the plan. Just because you have bought the best domestic travel insurance plans does not mean that you will be compensated for every mishap during your vacation. Remember that the exclusion column clearly states that you will not be getting coverage if you are involved in any adventure sports activities. Very few plans have coverage for this aspect and you need to be aware of such issues while buying travel insurance. Apart from that, you will also not get coverage when you avail treatment for pre-existing diseases during your tour. You have to mention the details about your health beforehand and pre-existing diseases are not covered under majority of plans available in the market. However, there may be few exceptions and you have to carefully study the inclusions to know more about such problems.

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Domestic travel insurance offers coverage for entire year

Unlike the regular vehicle or life insurance plans, you can choose the travel insurance for any duration of your choice. Some of the best domestic travel insurance plans in the market offer coverage even for a couple of days and this is an excellent option for people going out on short tours. On the other hand, there is no need to worry when you are traveling frequently as you can choose the annual coverage also and get protection whenever you travel. You can choose the number of days within the year for which you need travel coverage and this will be offered by the company. The premium charged for the policy will depend on the number of days for which coverage is needed in a year. In this way, if you are opting for a single tour travel insurance plan, you should buy them again when you want to travel next time.

Travel insurance is expensive

This is a myth and you will be surprised to know that you can even get coverage for a few hundred rupees. The beauty of domestic travel insurance plans is that they can be chosen only for the duration of travel and in most cases, you can even get them for a couple of days. This is more than enough for people who do not travel regularly and they can get such wonderful coverage by paying small amount of money. When you compare the overall travel expenses, you will notice that the cost of getting travel insurance is very less and you can get lots of benefits in future. You can comfortably enjoy the vacation when you have the optimum coverage for your tour.

Travel insurance is only suited for frequent travelers

While it is true that frequent travelers benefit a lot by having travel insurance policy, even others will also get the same benefit by choosing such plans. Remember that you can face some problems even when you are going on a short tour and a mishap can happen at any time. For this reason, you should never neglect the safety issue even when you are traveling only for a couple of days. You can choose the domestic travel insurance plans that offer coverage for single tour in this situation and get to benefit a lot during your tour. You will be protected against various mishaps and you can easily avail emergency medical assistance when you have such coverage.

Making claims is not easy with travel insurance

It is not a difficult task to make claims when you face any problem during your tour. All you need to do is to get the proper documents to support your claim and they can get cleared within a short duration of time. If your flight is delayed or cancelled, you can immediately get in touch with the insurance service provider and inform them about the issue. In the same manner, you should always keep bills for hotel bookings and other important expenses during your tour. When you face any emergency due to medical issues, you can easily get treatment from nearby hospitals and claim insurance later by providing the bills. If you happen to be close to any network hospital, you can even get cashless treatment by providing your insurance details. In this way, it is not at all difficult to get compensation when you have the best domestic travel insurance plans from reputed companies.

These are some of the common myths surrounding travel insurance plans and you need not worry about anything when you choose reliable service providers. You can clarify all your doubts with the company executives before you buy the plan and this will help you to choose the best plans for your travel needs. You can travel with confidence when you are equipped with such travel insurance cover.

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