Risks of not having a domestic travel insurance policy handy

There are many risks associated with traveling without a proper insurance plan. While many people consider this seriously when they are traveling abroad, they totally neglect this when it comes to domestic travel. This can cause lots of problems when you face health issues or when the flights get delayed or cancelled due to weather conditions. In this situation, you will have to spend lots of money for your medical treatment or other travel arrangements when you do not have domestic travel insurance policy. This problem usually gets complicated when you are traveling in a group and many people can get affected at once due to lack of insurance coverage during travel. All these problems can be easily handled when you have the best travel coverage for your trip and you can enjoy the vacation in a better way when you have peace of mind.

Health risks associated with travel

You are likely to face health issues with senior citizens and kids when you are traveling in a group. This can happen due to long journeys and the climate conditions can also affect their health condition. In this situation, you need to consider getting proper domestic travel insurance policy for everyone in your group. It is possible to get a single policy for the entire group and this will cover all the health expenses during travel. Without a proper travel insurance plan, you will have to bear all the expenses on your own and this can spoil your budget for the entire tour. In some cases, you may have to spend lots of money when the health problem is serious and you will be left stranded in a new place without any help from your friends and family members. To avoid all these issues, you should always travel safely with a good insurance plan.

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Loss of baggage and other documents

Even a small thing like losing your baggage can play spoilsport with your entire tour. You may have to buy all the necessary things during vacation that was lost in your baggage and this can cost you lots of money. In some cases, you may lose important documents along with baggage and this can result in serious troubles when you are traveling for business related activities. However, you can get coverage for this loss when you choose to get the best domestic travel insurance policy from reputed companies. The policy will help you to claim compensation for loss of baggage and you will be able to enjoy your tour without any problems.

Delay or cancellation of flights

When your flight gets delayed by few hours, you can face lot of issues especially when you are traveling for business activities. You may have to travel by other modes and it can be very expensive when you are planning this in the last moment. In some cases, your flight can even get cancelled and you may be left with no other option but to book other flights or car to reach your destination. This is not a remote thing and it happens very frequently especially during the winter season when you are traveling towards the Northern and Eastern part of India. The climate can play havoc at any time and you will have to bear all the losses without a proper domestic travel insurance policy. On the other hand, when you have a travel insurance, you can easily choose the available best option to meet your emergency travel needs and later get compensation from the insurance company for cancellation of flights.

Extension of trip

Many people get stranded in tourist places during the winter season as the roads and airports can get blocked due to adverse weather conditions. If you are also stuck in a similar situation, you will have to extend your trip without any other choice and this can cost you lots of money. Imagine paying expensive hotel bills for the extended duration when you get stranded in some location due to cancellation of flights. In some cases, the flights can get cancelled for many days at a stretch due to bad weather conditions. Your entire budget and planning for the trip will go haywire with such issues. When you are having the best domestic travel insurance policy, you can easily get compensation for such problems and this can reduce your financial burden by a huge margin.

No accident cover during travel

When you are traveling with a group, you need to secure everyone with a proper domestic travel insurance policy. Otherwise, you will face lots of problems when you are involved in an accident situation. This typically happens when some people in the group may not have their personal accident cover insurance policy. In this situation, you need to bear all the expenses from your pocket and this can cost lots of money. You cannot ask everyone in the group to come prepared with their own personal accident and health insurance cover for the trip. For this reason, you can easily choose the group insurance coverage for all the members in your group and secure them in the best possible manner. This will help you to enjoy the vacation without any problems and you will be fully prepared to handle any emergency situation.

When you consider the situation where your vehicle is involved in an accident and few members of your group are injured, you can easily take them to the nearest registered hospital and avail medical treatment with the help of travel insurance policy. You can even get cashless service in many popular cities of the country and this will be a convenient option for many people using travel insurance.

In this manner, you will be able to avoid various risks associated with travel by choosing a proper domestic insurance plan. This can be extremely useful when you are traveling in a group and you will be able to secure them with the help of travel insurance coverage. This will give you the freedom to enjoy the vacation without worrying about these risks as they can be easily covered by the policy.

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Do and Don'ts Related to Domestic Travel Insurance

Travel insurance policies will cover the travel-related risks in a very efficient manner. Before subscribing a travel health insurance plan, you should go through the details and you should subscribe to the best plan that will take care of all possible risks.  A travel insurance plan is necessary to undertake domestic travel as well. You might want to visit your family or attend a wedding party or on a vacation. The risks associated with each trip will be different and you should an appropriate plan to minimize the damages. 

The necessity of travel insurance 

You should buy a travel insurance to cover domestic as well as international travel needs.

If your baggage is misplaced, it will take time to search for the bag. In some instances, you cannot trace the baggage. The insurance company will come to your rescue by paying the compensation so that you will continue the trip without financial struggle.

If you miss your connect flight because of the delay of the previous flight, you will not reach your destination as per the schedule. It will impact your hotel check-in time and you will incur additional expense as well. 

 In some cases, you will want to postpone the trip due to the sudden sickness or accident with the involvement of your family friend. 

There are various factors that will have an impact on your trip and you should go for the best travel insurance plan as per your needs. 

Dos 

• Coverage – You should buy Best Domestic Travel Insurance Policies that offer sufficient coverage. The insurance policy should not be purchased as an obligation. It should fulfill the requirement without fail. 

• Research – You should spend time and effort to settle for the best travel insurance policy as per your needs. If you do not have time, you can visit the insurance aggregator’s website and compare various policies offered by reputed companies. 

• Assess your requirements – The travel insurance requirements as per the location and your lifestyle should be assessed. You should buy a matching insurance policy from a reputed company. 

• Claim settlement ratio – The insurance company that you select should manage the high claim settlement ratio. The policy servicing is an important factor. You can go through the database provided by the IRDA to figure out the best insurance company in terms of claim settlement ratio. 

• Customer support – The support offered by the insurance company will make a great difference. The insurance company should provide the toll-free number and email address so that you can reach them very easily. 

• Network – The insurance company should maintain a network of hospitals so that you will get treatment in a network hospital for a quick and prompt service. 

• Read the policy document – The policy document contains important terms and conditions. You should read the document very carefully so that there will not be unpleasant surprises while claiming the policy. 

Don’ts

• Unnecessary expense – You should not assume that buying travel insurance is an unnecessary expense. The travel insurance will cover various risks like flight delay, flight cancellation, trip cancellation, loss of baggage, and medical emergency. Hence, you should be insured as soon as the travel itinerary is prepared. 

• Do not opt for a plan with lesser premium – If there is a marginal difference between two insurance plans, you should not settle for a plan with lesser premium. The few hundred additional bucks you pay towards the insurance policy will reward you in thousands of dollars so that there will be great satisfaction. 

• Non-disclosure of information – The information about your journey, health and various activities that you undertake during the journey should be disclosed to the insurance company. The underwriter of the insurance company will assess the risk potential of the applicant and the risk will be covered by offering the most appropriate premium. Your claim will not be rejected when you disclose the necessary information. 

• Don’t postpone the purchase of policy – You should not postpone the purchase of travel insurance plan until the last minute. You may fail to buy the most appropriate cover that can fulfill your needs. You should not rely on the advice of the insurance advisor completely. By doing your homework, you will buy the right policy at right time. 

You may like to read: Checkout single travel insurance plans for your next individual trip

Features of the best travel insurance plan 

The following features should be present in your domestic travel insurance plan so that you can complete your trip with absolute peace of mind:

• Loss of baggage – The loss of baggage and travel documents should not interrupt your trip. You should be able to manage them at the earliest. If you insure the items by mentioning in the insurance proposal form, your requirements will be fulfilled in the best possible way. 

• Flight cancellation – You will play your holiday in a very efficient way and will follow the schedule. However, the trip might be interrupted due to various internal and external factors. The flight cancellation will lead to great loss of time and money. The travel insurance company will cover the risk by offering accommodation or alternate travel arrangements so that you will follow the pre-planned schedule without fail. 

• Rented car – If you use a rented car during the trip, the loss or damage associated with the car will be borne by the insurance company. Even though the rented car will have their own insurance policy, you will be covered by a comprehensive insurance plan so that your needs will be fulfilled in a very efficient manner. 

• Medical emergency – If you do not have a health insurance plan, you should buy a comprehensive travel insurance plan that covers emergency hospitalization. The cover will include dental expenses as well. 

Conclusion 

By choosing Best Domestic Travel Insurance Policies, there will not be a loss of your baggage. The flight cancellation, rental car issues, and additional activities will be borne by the travel insurance company in the best possible way. You can compare the best plans offered by reputed companies and should settle for the most appropriate plan as per your needs. 

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What are the benefits of domestic travel insurance?

There are many advantages of having insurance coverage when you are traveling and you should never neglect such issues. Many people think that such travel insurance is needed only when they are traveling abroad. They usually feel that they can easily handle the local trips on their own as they will be able to reach to some known person in case of emergency. However, you need to understand that having a travel insurance plan will help you when your flight is delayed or when your baggage is lost during transit. All these things can only be covered when you buy domestic travel insurance online or through a registered insurance company. Your friends and relatives in no way can help you with flight delays or lost baggage and only your insurance coverage will be useful in emergency situation during travel. In this article, let us discuss the various benefits of having domestic travel insurance when you are traveling within India.

Who should choose domestic travel insurance plans?

This is suited for everyone whether they are traveling alone or with family. If you are traveling alone, you will find it useful when you miss your baggage as you can easily avail the service of the insurance company and get emergency help in this situation. In the same manner, when you need emergency medical assistance for yourself or your family member during travel, you can easily get the best medical treatment by using the travel insurance coverage. In most places, you can even get cashless service and this is the major benefit you get when you buy insurance plans. It is very easy to buy domestic travel insurance online through reputed portals. You will even have the option to compare various deals before choosing the best one for your travel needs. In this manner, you can choose the apt one that meets all your requirements in the best possible manner.

Choose between one time coverage and annual coverage

You will get multiple varieties of travel insurance plans in the market and you should select the best one suited for your individual need. If you are not traveling frequently, you can choose the one time coverage that will be valid only for one particular trip. This will give comprehensive coverage for all damages during travel and you can rest assured that you will have a comfortable trip without any issues. On the other hand, when you travel frequently, you can choose the annual package that offers multiple days of coverage and you can select the number of days depending on your travel plans. This will offer suitable coverage for the chosen number of days spent in travel. You can choose to buy domestic travel insurance online and get to save lots of money as the travel portals offer lots of discounts.

Get compensation for loss of baggage

On many occasions, you will notice that losing baggage can spoil your entire trip. You will have to buy all the required things at the tourist location and this can be very costly when you have to spend money from your pocket. You may also lose your expensive clothing and other accessories along with the baggage and this will be a huge loss unless you are covered with a proper insurance plan. You can avoid all these things when you buy domestic travel insurance online as this will give you coverage for loss of baggage. In the same manner, you can even get compensation when you lose important documents and this is best suited for business travelers who travel frequently to different parts of the country.

Get compensation for flight delays

How often have you seen flights getting delayed by many hours due to climatic conditions and technical problems? Especially when you are traveling during the winter season, you are likely to face this situation as many regions experience snowfall and this can hamper the take-off and landing of flights. In this situation, your travel plans can get affected and you can claim compensation for this delay or cancellation of flights. In some cases, you may have to make alternate travel arrangements to meet your business commitments and this can cost you lots of money. You can get the best coverage for all these problems when you buy domestic travel insurance online or through the insurance companies. This helps you when you are traveling for business reasons and you can easily choose the annual coverage plan when you travel frequently throughout the country.

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Emergency medical cover during travel

This is probably the biggest advantage you get when you buy domestic travel insurance online for your travel needs. You need not worry about arranging money for emergency medical treatment during your travel. This is best suited when you are traveling with your family as your parents or young kids may fall sick during travel and you can use the insurance coverage to get medical treatment from reputed hospitals. If you happen to find a network hospital in the nearby region, you can even get cashless facilities and this will help you in many ways to save money in the long run.

Coverage for third party property damage

This is a new concept that is only being offered by few companies and this can help you in some situations when any damage is done to third party due to your mistake. In this situation, the travel insurance will take care of the liabilities and you need not have to spend money from your pocket to compensate the damage. You can discuss these options with the insurance advisor when you choose to buy domestic travel insurance online and get the best suggestions from them. They will help you to choose the suitable options that can provide lots of benefits for your family when you are on a family tour.

These are the major benefits of choosing domestic travel insurance and this can change the way you travel in future. You can easily book tickets to your favorite tourist destinations and travel without any worries about delays and cancellation of flights. All you need to do is to check the various options available in the market and choose the best policy for your travel needs.

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Is travel insurance really important?

You never know when an emergency can strike you or your family. If it happens when you are traveling, you will face lot of hurdles in getting treatment as you may not be carrying enough money to meet the expenses. On the other hand, financial loss while traveling can also cause lot of problems and you need to be prepared to handle such emergencies. Make sure that you get a proper travel insurance policy and enjoy a safe and comfortable vacation with your family members. This is even more important when you are traveling for business reasons and you cannot afford to lose time and patience over loss of baggage or other important documents. When you have the right insurance plan, you can easily get coverage for all the losses that happen to your life and assets while traveling and this will give you complete peace of mind.

Who can choose travel insurance?

• Anyone traveling within India or abroad can choose travel insurance policy and get the best coverage for any loss during travel.

• In normal cases, the age criteria for such policies range from 5 years to 70 years. You can get further details about individual plans and their eligibility criteria by approaching the company executives.

• It can be chosen for a long duration when you are traveling for vacation or business related activities.

• You can choose this only for yourself or for your entire family and cover your trip.

• In the same manner, it is also possible to include everyone in your team by choosing the group insurance plans.

• The duration of coverage can also be as small as a few days and this is best suited for short trips within the country.

Domestic and International Travel Insurance

Many people travel to different parts of the country to spend their holidays with friends and family members. In this situation, you can choose the domestic travel insurance policy and enjoy the complete coverage offered by this plan. This will cover all the medical expenses due to accident or other health issues and you can save lots of money during travel. However, you need to choose the relevant option while buying the insurance policy for your family. Make sure that you disclose all the pre-existing diseases properly so that you will not face any issues when availing coverage for such problems. In the same way, you should also ensure that you carry the policy document along with you during travel so that you can use them at the network hospitals during emergency situation. The policy also covers loss of baggage and other issues faced during travel.

If you are traveling abroad, you should always have such travel insurance policy and it is even compulsory to have such plans when you visit many countries. The visa for many countries will be granted only when you are covered with proper insurance plans. The advantage of choosing international coverage is that you can get benefits at any location in the world. It is possible to secure your health condition in this manner and you can even get coverage for loss of baggage and other valuables during travel.

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Benefits of travel insurance 

• It offers coverage for medical emergencies that include hospitalization expenses and other expenses for medical treatment during travel.

• In the same way, it can even compensate for the financial loss that arises out of delay in flights or cancellation of flights due to various reasons.

• You can even get coverage for loss of baggage and other valuable documents like passport and visa during travel.

• Accident coverage is part of almost every travel insurance policy and this is the biggest advantage of choosing such plans for your travel needs.

• The coverage can be availed in any part of the world when you are equipped with the best travel insurance plan. However, you need to check with this factor about the particular country you are planning to visit before buying travel insurance for your trip.

• In most cases, you need not even have to undergo medical tests to get travel insurance from reputed companies.

• The policy can cover individuals as well as group and you can check the suitable plan that meets your individual requirements.

• You can choose the plan for as many days and this is major advantage of travel insurance plans as they offer flexibility for the consumers and they can go out for short as well as long trips.

Types of travel insurance plans

Single Trip insurance plans

• You can choose the trip for even a single trip that lasts only for a few days.

• In the same way, you can even consider this plan when you are not planning to travel frequently to other locations.

• In most cases, the duration of this plan does not exceed a few months and this will be more than enough even when you have to spend a long holiday in a foreign location for a couple of months.

Multi-trip insurance plans

• When you want to choose the travel insurance policy for a long duration, you can choose this option that gives coverage for the entire year.

• Within this duration, you can even select the number of days for which you need coverage and this will help you to reduce the premium amount according to your individual requirement.

• You can select 30days of coverage or 60 and 90 days as per your travel needs during the year.

• This option is best suited for frequent travelers.

Family floater plans

• If you are planning to travel along with your family for a vacation, you can choose this plan.

• This offers coverage for all the family members under a single policy.

• You can avail coverage for a single trip in this plan.

In this manner, you can get the best out of your travel insurance plan and enjoy a comfortable vacation without any problems. You should always be prepared for any emergency situation during travel and having proper insurance will protect you from many troubles in future. Make sure that you check all the different plans available in the market so that you can choose the best one that gives maximum benefits for your travel needs.

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The 20 Fastest-growing Travel Destinations in the World

There are astonishing places where tourism is raising at a great speed! Multiple reasons attribute to the growth of tourism. The weather condition, world economy, exchange rate, major events and terrorism are some factors which will have an impact on tourism. The reasons growth of tourism include paid holidays, better travel facilities, increase in disposable income, internet booking and longer life expectancy. The types of tourism include cultural, business, geographical and visiting family and friends. 

Regardless of the type of tour that you accomplish in the domestic or foreign land, you should be covered by travel insurance plan to make the most of your trip. You should be aware of the Domestic Travel Insurance Policy before buying an insurance plan. 

Fastest growing destinations 

1. Sierra Leone – The West African nation is listed as the most attractive travel destination in 2016. The number of tourists had quadrupled compared to the year, 2015. More than 74,000 visitors recorded in 2016. The location offers great beaches, peaceful villages and great hospitality from local people. 

2. South Korea – South Korea recorded 17.2 million tourists in 2016. There is great increase from 2015 (13.2 million). The country has attractive beaches, hiking trails, caves, and landscapes. The country capital is an attractive tourist destination. 

3. Kiribati - The pacific nation comprises of 33 coral atolls. It has witnessed 26.6% in the number of tourists last year. Fishing, diving and private islands are attractive spots in Kiribati. 

4. Madagascar – It is the world’s biggest island. It has attracted 293,000 travelers in 2016. Madagascar is one of the 17 countries which boast of biodiversity. Its rich wildlife including chameleons and species of lemur attracts tourists from all over the world. 

5. Slovakia – Tatra Mountains is the highest range in the Carpathians. Unesco Biosphere Reserve has reported 16.9% increase in travelers in 2016. There are high altitude lakes and waterfalls and they can be explored through various hiking paths. 

6. Nepal – Nepal witnessed 39.7% increase in tourists in 2016. The best places to visit in Nepal include Kathmandu, Bhaktapur, Boudhanath Stupa, Pokhara, and trekking in the Annapurna region. 

7. Iceland – there was 39% increase in number of tourists in 2016. The main attractions in Iceland are museums, historic sites, hot springs, outdoor activities and geologic formations. 

8. Moldova – With 28.6% increase in tourists, the country continues to attract more tourists every year. Interesting places of visit include food, wine, nightlife, monuments, nature and parks. 

9. Chile - The important places of visit in Chile include Cerro San Cristobal, Los Pinguinos Natural Monument , Easter Island, and Lauca National Park.

10. Vietnam – There are plenty of locations to visit in Vietnam. They include natural landscapes, quite villages, war museums, ancient citadels and colonial structures.

11. Japan – Japan continues to attract tourists from all over the world due to its advanced technology and ancient traditions. There are many temples, places and parks to entertain all kinds of tourists. 

12. Liechtenstein – Even though Liechtenstein is not a country but a principality, it acts as an independent state. It is in between Austria and Switzerland. It has scenic beauty and quiet attractions.

13. Kuwait – The top tourist attractions in the country include liberation tower, Seif Palace. You can explore the ancient culture in Kuwait. The country offers something for every traveler.

14. Cyprus – The country offers fascinating museums, galleries, monuments and other places of cultural heritage. You can figure out Greek and Roman ruins and nightlife. 

15. Georgia – you can explore the country on a horse back. The city has great architecture and history beauty. You can find more than 400 civil war sites. 

16. Turks & Caicos – The place is apt to plan and execute various kinds of activities. You can find natural reserves, historical sites and sanctuaries. 

17. Cook Islands – you can explore whales and wildlife in this country. It is the best place to enjoy white sands, palm trees and warm water. 

18. Slovakia – It is a forested piece of land. You can explore chasms, gorges, waterfalls and ravines. You can find the largest wine cellar in Central Europe.

19. Kenya – The attractive features include coral reefs, and beautiful beaches. You can explore various activities including surfing, snorkeling, and deep sea fishing. 

20. Tanzania – The popular tourist attractions of the country include game reserves, national parks, and wild habitat. You can find African Safari in Tanzania. 

Conclusion 

You can visit the top destinations of the world with prior planning and cover the risk with best travel insurance policy. You are advised to Compare Travel Insurance plans offered by various companies so that you will settle for the best plan. The travel insurance premium should be affordable and it should let you manage medical, travel and other risks in the best possible way. The claim settlement ratio and customer support will also influence your decision and you can manage hassle-free holiday!

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