Wednesday, 6 June 2018

Should I buy international travel insurance for my next abroad visit?

The simple answer to this question is a big YES. You should always secure yourself with the best travel insurance plan whenever you are moving out of country. Remember that you may lose your baggage or any other important document while traveling and this can upset your entire tour. However, when you have proper insurance, you will be able to handle the situation in a proper manner without any difficulty. The simple act of choosing insurance can safeguard you from various troubles. You will be glad to know that when you buy international travel insurance, you can even get coverage for flight cancellation and this will help you to extend your tour without any inconvenience. In the same manner, when your tour gets cancelled due to unavoidable reasons, you can use this coverage and this will help you to make alternate arrangements. There are many people who suffer due to lost baggage and flight delays during international travel and they end up spending lots of money to get out of the troublesome situation. If you have a good insurance plan, this will come to your rescue and you can get emergency support during that situation. The policy will compensate you for the losses that arise out of such events and this will give you a comfortable feeling when you are in a foreign location.

How to buy travel insurance for international trips?

The easiest way to buy international travel insurance is through the online service providers. This will allow you to compare all the plans of your choice and get to know the features of each one of them. You can take the final call after considering the different advantages of each plan. You can even buy them online from the official portal of the company and this will help you to save lots of time. This is needed when you are very busy and want to get travel insurance from the comfort of your home. All you need to do in this situation is to provide accurate details about your travel plan to get the policy. Once you make the online payment, your policy will be processed and you can get the policy documents delivered to your email address. Make sure that you take a printout of the document and carry them with you to your vacation.

Factors to consider while buying travel insurance

There are many factors you need to weigh before you buy international travel insurance as there are many varieties of plans available in the market. When you choose the best plan, you will be able to get maximum benefits during your vacation.

Duration of Stay

This is the primary factor you have to consider when you plan to buy international travel insurance for your tour. Remember that this is unlike other insurance plans that are offered for the entire year. You can choose travel insurance even for a single day or couple of days according to your convenience. In the same manner, you can even choose them for couple of months when you plan to spend a long vacation overseas. Depending on your travel plans, you can select the appropriate policy and use them during the vacation to get good coverage against various mishaps.

Network hospitals at your preferred destination

The main reason for taking insurance during travel is to cover the emergency medical needs in foreign location. For this reason, you should always be aware of the network hospitals of your service provider before you buy international travel insurance from them. While some service providers may be very good in this factor in some location, they may completely lack any network in other regions. In this situation, you need to verify about their network in the preferred destination of your choice and buy the suitable plan that covers maximum number of hospitals all over the world.

Coverage offered by the policy

The sum assured value of the policy can be chosen as per your individual needs. Depending on the duration of your travel and the region to which you are traveling, you can choose this option and pay the suitable premium amount for the policy. Remember that the premium rate goes up as you choose higher coverage. Also carefully understand the different covers offered by the plan when you buy international travel insurance from the service provider. In this way, there will be no confusions about the benefits and exclusions of the plan.

Type of coverage chosen for the tour

When it comes to travel insurance plans, there are many varieties available and you need to be clear about your requirement. If you are traveling alone, it is a convenient option to select the individual plans for your tour. Within this, you can select between a onetime coverage and annual coverage if you are a frequent traveler. The next option is to select between the individual plans and the group insurance plans and this will be handy when you are traveling with your family members. The same option of choosing group coverage holds well when you are choosing travel insurance coverage for your team members at office.

Advantages of buying insurance online

There are multiple advantages of using international travel coverage for your tours.

Many corporate companies choose this option whenever they have to send their employees for work to different countries.

The plan can also offer benefits for frequent travelers and provide them with yearlong coverage against various hazards during travel.

The number of days for which coverage is needed can be chosen by the consumer.

In usual cases, coverage under the travel insurance plan will be given for lost baggage and passport along with important documents.

Apart from that, you can even get suitable coverage for emergency medical needs and the travel policy will also offer personal accident cover.

When you consider all the benefits offered by such international travel insurance plans, you will realize that they offer full value for your investment. Go ahead and choose the best plan suited for your individual needs and enjoy a comfortable tour.

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Tuesday, 5 June 2018

Keep travel related woes at bay with travel insurance plan

There are many problems that you may encounter when you are traveling abroad. In some cases, your flight can get delayed or cancelled due to some technical reasons and you have to make alternate arrangements at the last minute. In other cases, the flight can even get cancelled due to adverse climatic conditions like storm or rain. In this situation, having the best coverage with international travel insurance plans will protect you in many ways. Imagine a situation where you lose your passport or baggage when you are on a vacation in a foreign land. You will be left with no support unless you have insurance coverage for such events. In this article, we will guide you to select the best plans that can keep various problems at bay. When you have a clear understanding about the common problems faced by international travelers, you will realize the importance of having such cover for your next trip. Do not make the mistake of traveling without insurance coverage as this can land you in serious trouble. You will be surprised to know that many countries insist on travelers having proper insurance coverage before they are given permission to enter the country. In this way, the local government will not face any troubles when something goes wrong with the travelers as they will be secured with proper insurance. 

Common problems faced without insurance coverage

When you fail to buy international travel insurance plans, you are bound to face many problems. In this article, we try to highlight some of the most common issues faced by travelers without proper insurance coverage.

Losing baggage or important documents

Many people lose baggage that is checked in and this can lead to lot of problems. You may have your everyday usable items in them or other accessories that you need urgently. In that situation, you have to buy them from the nearby stores by paying money from your pocket. In case of loss of passport, you may not be allowed to travel back home and this means that you need to extend your tour by paying additional money for accommodation and other travel expenses. 

Your travel insurance will protect you in all these cases and you can immediately get in touch with the customer care team to get emergency help. They will guide you in the right direction and help you to get proper access to passport and other important documents that will allow you to smoothly travel back home. In the same way, compensation will be given for the loss of baggage and you can buy the required items without any hassles.

Delay in flights or cancellation of flights

This is not uncommon and many people face such problems. When you are traveling in the winter season, you are bound to experience more problems with flight delays due to weather conditions. In this case, you need to make suitable alternative arrangement if you want to travel urgently for work reasons. Other than that, you may have to cancel your hotel bookings due to delayed flight and lose the money spent on the bookings.

This becomes very easy to handle with international travel insurance plans as they offer coverage for flight delays and cancellation. You can make suitable arrangements and reach your destination without any worries. You will also be able to get compensation for loss of hotel bookings due to cancellation of flights.

Getting involved in an accident

This can happen to anyone and at any place. You are no exception and you will be in a troublesome situation when you are stuck in a foreign location without any support. It can be very expensive to get medical help in some countries. You will have to get money from your friends and family at that time to meet the emergency financial needs.

On the other hand, when you get international travel insurance plans from reputed companies, you can rest assured that they will offer the best personal accident cover for international trips. In this way, you will get immediate medical help and you can use the policy to get the suitable treatment from nearby hospitals. All this can be handled effectively without any tension and you will have complete peace of mind with a proper insurance cover.

Emergency requirement for medical treatment

If your health condition gets bad during an international trip, you are bound to spend lots of money to get emergency medical assistance. Remember that medical expenses can sky rocket in such situation and overseas travel will prove to be a nightmare without medical insurance. Some people are badly stuck in that situation and even ask for support from nearby community members. For this reason, many countries have mandated travelers to come only when they have medical insurance cover.

By choosing the appropriate international travel insurance plans, you can get emergency treatment at a number of network hospitals all around the world. There is no need to panic and the few thousands that you spend on the insurance policy will give you support for lakhs of rupees in that situation.

Choose individual or family floater package as per your convenience

If you are traveling alone, you can get a plan for yourself and travel safely without any problems. On the other hand, when you are traveling with your family, it makes sense to buy family floater international travel insurance plans as they offer combined coverage for the entire family. You will be able to secure your family members in this manner and enjoy a comfortable vacation.

Special plans for students and senior citizens traveling abroad

You will be glad to know that you can even choose special plans dedicated for students who are traveling abroad for higher studies. This will ensure their health coverage and they will be able to get long term coverage in this manner. Similarly, even senior citizens can avail such coverage when they are traveling out of country and this will be a boon for them in many ways. They need not worry about emergency medical needs and enjoy their holidays in a peaceful manner.

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Monday, 4 June 2018

Domestic Travel Insurance: Do’s and Don’t

When you want to buy travel insurance from the market, you should take care of many things so that you can get the best option for your tour. Remember that different plans are suited for different situations and you should always compare all the plans before making the final choice. The best domestic travel insurance will give you complete value for your money and you will be able to enjoy your tour in a comfortable manner. Make sure that emergency medical coverage is always included in the plan as this will be essential when you are traveling out of town. Due to change in weather conditions and other factors, your health may face problems and having coverage will be very useful in this situation. All you need to do in this situation is to use your insurance policy to get the best services from the network hospitals. In this regard, let us look at some of the factors that are crucial while buying travel insurance for your tour. If you follow these guidelines carefully, you will not have any problems and you can get maximum benefits out of the insurance policy.

Things to do while buying domestic travel insurance

Always read policy document carefully for inclusions and exclusions
You should always make it a point to carefully read the policy inclusions and exclusions before buying them from the market. Remember that everything will not be covered under the policy and many things will be excluded. You have to understand them carefully and ensure that they meet your individual requirements. Only then will you be able to get the best domestic travel insurance coverage that meets all your travel needs. If you have any doubts regarding the clauses, you can approach any professional advisor to get the answers. On the other hand, it is also a good idea to approach the customer care team to know more details about the policy.

Opt for the maximum coverage
Always try to get the maximum coverage as this will help you to handle any emergency situation in a comfortable manner. Make sure that the coverage offered by the best domestic travel insurance covers all the expenses of your tour and also provides enough to handle emergency medical needs. Only then will you be able to get the maximum benefits out of the plan. Remember that choosing lesser coverage will mean that you will be getting less compensation when something goes wrong during your tour.

Always buy policy in advance
As soon as you plan your tour and book your tickets, you must choose the best domestic travel insurance and secure your tour. In this way, you will be protected completely and it is also possible to get good deals in this manner. Remember that many companies need some time before they verify the details about your destination and you should never wait till the last minute to buy travel insurance. When you start early, you will also be able to compare various options and get the best deal.

Consult your insurance advisor before buying policy
It is a good idea to consult a professional advisor before you buy any insurance plan. They have many years of experience and they can guide you properly to select the best domestic travel insurance policy from the market. As there are many plans available, you may get confused with regards to selecting the suitable option and consulting a professional will help you in many ways. Simply mention all your requirements to them and they will suggest the best plans that can give maximum coverage for your tour at the best price.

Compare different policies in market
You should always make it a point to know about all the options available in the market as this can help you to select the suitable plan that meets your individual requirements. All you need to do is to visit the online websites that provide articles and services about insurance policies. You can go through the material and understand the difference between various plans. After this, you can even buy the policy online without any hassles.

Things to avoid while buying domestic travel insurance

Avoid getting carried away by what agents say
When you approach any insurance agent, they will try to sell the products only from their company and project it as the best domestic travel insurance in the market. However, you should not get carried away by their words and always choose the suitable option after comparing all the available options. It is a better option to approach insurance brokers or online sellers as they are allowed to sell plans from different companies and you can get to know about all the plans in one platform.

Never provide inaccurate details while buying policy
Some people do not pay enough attention to the application filling process and end up making some mistakes. This can prove very costly in the long run and you will have problems while making claims when you have submitted inaccurate information about your tour. Make sure that you mention the name and age along with address as provided in your official photo identity card given by any government agency. In the same manner, you should also provide details about your tour in an accurate manner and fill the form yourself to avoid any confusion at a later stage. You can also take a printout of the filled application form and save it for future reference.

Avoid the last minute purchase
Most people make this mistake of going for travel insurance at the last minute. Remember that some companies can reject your application when you try to get the policy at the last minute as they need some time to verify the details about your travel destination. There are many companies that do not offer coverage for all destinations and you will have a comfortable experience when you buy them early. In this way, there is no tension of losing out on the coverage offered by your travel insurance plan.

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