There are many things you need to
know about travel insurance as this provides complete security for your travel
needs. Remember that there are different plans suitable for different
situations and you must know them completely to get the best out of your policy.
In this article, we will bring out some unknown facts about travel insurance
plans that are not known to the common people. Make sure that you verify these
points when you want to buy your next policy for your upcoming tour. The
advantage you get when you compare
travel insurance plan is that you can understand what is suitable for your
situation and choose the plan according to your individual requirements. Some
people assume that all plans are the same and end up choosing the wrong plans
that do not offer complete benefits for their situation. You will be able to
avoid such mistakes when you follow the guidelines given in this article.
Always have a clear plan about your travel needs and also discuss them with
your insurance advisor when you are buying travel insurance policy. This will
help you to filter the suitable options and you can enjoy your tour to the most
in this manner.
Coverage for pre-existing diseases
Many people assume that coverage
will not be given for pre-existing diseases when you buy travel insurance
policy. While this is true with most of the plans, you can definitely find
exceptions and this is a good idea for people suffering from life threatening
diseases. You can discuss the option with the service provider and compare travel insurance plan from
different sources to get the suitable one for your individual requirement.
There are companies who offer coverage even for such pre-existing diseases and
you will be able to enjoy the vacation comfortably when you have such
protection for your health.
Coverage for baggage delay
In normal cases, when your
baggage is lost, you will be eligible to make claims using your travel
insurance policy. However, when it is only delayed for a few hours, you may not
get coverage for this problem. Generally, the coverage for delay in getting
baggage will be entertained only when the delay is more than 12 hours. You need
to submit the relevant documents provided by the airport authorities to make
the claims for this issue. Yet another point you should notice is that only
checked in baggage will be offered coverage and cabin baggage will not get any
cover under the travel insurance policy.
Coverage for adventure sports activities
If you are planning to indulge in
adventure sports activities during your vacation, be aware that your travel
insurance will not offer coverage for any damages that may happen during this
situation. It will be clearly mentioned in the exclusions section and you need
to read the policy document carefully before choosing them for your travel
needs. However, you can choose other plans that may provide coverage within
that foreign location and this will be helpful when you are indulging in
adventure sports activities. For this reason, you should always compare travel insurance plan and then
buy them for your vacation.
Third party liability does not cover vehicle usage
Many people find it convenient to
rent a car and go on a road trip during their vacation to a foreign country. In
this way, they can cover most of the places on their own without depending on
third party transport services. However, you need to be aware that your travel
insurance may not offer coverage when you use third party vehicle during your
vacation. Any damages that may happen to the vehicle will be under your own risk
and you need to compare travel insurance
plan from different sources to choose the best option. Always try to get
the ones that offer good coverage for third party liability.
You can choose single policy for your family
It is possible to get coverage for
your entire family under a single policy. All you have to do is to select the
family floater travel insurance plan that gives coverage for all the members of
your family during your tour. In this way, you will get to save money as it is
very inexpensive when compared to buying individual plans for everyone in the
group. Apart from that, it also offers lot of convenience and you will be glad
to know that the sum assured coverage will be shared between all the members of
the family and it can be used for anyone at any point in time. This will be the
best choice for people going out on family vacations as they can get the best
coverage at nominal price. When you compare
travel insurance plan from different companies, you can choose the best
family floater plan for your tour.
Corporate group insurance cover is also available
The best part about travel
insurance is that it can be even chosen for your employees and this helps you
to cover their official trips with proper insurance. You can even choose the
group package when you are sending your team members to a different location
for work. In this way, you need not have to cover the damages that may happen
during the tour and every risk will be borne by the insurance company. There
are many companies offering such plans and you can compare travel insurance plan and choose the optimum coverage for
your team members.
Insurance cover can be availed for even few days
There is no need to spend lots of
money on the travel insurance coverage as you can even get them for a couple of
days. This is a suitable option for people who are going out on short trips and
you can select the number of days for which coverage is needed during the tour.
If you plan to travel frequently, you can select the annual coverage and then
choose the number of coverage days as per your travel plans. In this manner,
you will be paying money only for those days when coverage is taken and this
helps you to save lots of money.
For more details check PolicyBazaar Customer Reviews
No comments:
Post a Comment