Here is Why Travel Insurance Plan is a Must Have

We plan vacations to take a break from the jostling hustle bustle of our daily city lives and relax. The itineraries are meticulously planned after hours of research over the Internet and reading innumerable travel blogs. We give the same level of diligence and attention to travel and accommodation bookings. All this to achieve two main goals: great time with relaxed mind during the vacation and bookings/arrangements that don’t break the bank.

But most of us often ignore or choose to turn away from Travel Insurance during all this planning. While it may seem an insignificant detail at the time of booking, travel insurance can actually save the day during a crisis. Studies have found that until it is mandatory by the destination country, a majority of Indians choose not to buy International Travel Insurance online or from the travel agent, even though they know about it. This is more about not knowing in detail about the benefits of an international travel insurance plan. 

With more and more bloggers and travelers also talking about it from their experience, Travel Insurance is now being seen in a different light and with new age insurance portals coming up it has become even easier to compare and buy International Travel Insurance online. Here we bring you 7 reasons why you should opt for the travel insurance before heading out for your vacation.

1. Assistance in case you lose your passport or luggage. 
It can be quite a harrowing experience if you lose your passport or your luggage in a foreign land. The process of managing in such crisis and arranging the necessary items/documents can dampen the vacation plans. Therefore, you should buy International Travel Insurance online before leaving for your trip and make sure that the cover includes these kinds of emergencies and provide assistance to expedite the process of issuing duplicate passport/relevant documents at the time of need.

2. Emergency medical coverage
Medical emergencies can occur anywhere, anytime. When you are in your country, your health insurance plan covers the medical expenses. But what about any medical needs due incidents or due to pre-existing conditions? A good overseas travel insurance plan not only covers your medical expenses due to a pre-existing condition if any but also provides you with cashless medical expenses in case of need. Hence, when you are planning to buy International Travel Insurance online, make sure that the medical coverage is comprehensive yet tight.

3. Expenses occurred due to cancellation or delay
Whenever there is any sort of cancellation, be it cancellation of flight or stay, the traveler ends up bearing expenses. This is not a desirable course and often ends up adding to your stress and shaking the budget. While you may have prepared contingencies for such an event, you can avoid the hassle caused by cancellations or delay entirely. Before making any bookings towards your trip, make sure you buy International Travel Insurance online, a plan that covers changes due to cancellation or delays. Another important aspect to keep in mind are the delays, for instance, while waiting for the return flight home, you get stuck at the airport for an entire day due to heavy fog/snow and have to take up some sort of accommodation. Now, if your overseas travel insurance plan covers such expenses, you need not worry about such unprecedented expenses.

4. Emergency evacuation expenses
Calamities such as natural disasters, terrorist acts etc. or even a serious medical emergency can create the need for emergency evacuations. These emergency evacuations can bill up to thousands of dollars, depending upon the originating and destination country. If you include emergency evacuation expenses when you buy International Travel Insurance online, it not only helps cover the expenses but also provide assistance that makes such services available to you on foreign land. It is also pertinent to consider the limit your cover provides for such expenses.

5. Accidental death or disability
Unfortunate events such as death and disability are hard to cope, especially in a foreign land. There are innumerous formalities associated with such incidents and travel insurance helps with the expenses while also providing assistance. Some overseas travel insurance plans also provide additional coverage that also includes the process to ship the remains of the deceased home.

6. Trip interruption
Just as a good overseas travel insurance plan covers unforeseen expenses due to cancellation, if stipulated in the terms, the plan also takes care of cash advances in case of interruptions. For instance, if there is an interruption in your travel or maybe a missed flight, travel insurance reimburses the expenses incurred. One element to watch out is the list of exclusions and terms of cancellations.

7. Round the clock assistance in case of emergencies. 
Being on a foreign land is already intimidating, especially when you are not familiar with the local language. Even though it might sound like a frivolous advantage of buying an overseas travel insurance plan, having a 24X7 number for round the clock assistance can come in handy in case of emergencies. In adverse situations, having access to the travel insurance helpline can save the day.

Each country has a specific set of requirements in terms of insurance cover; also certain aspects of cover apply to only some grounds of the claim. For instance, few countries make it mandatory to have travel insurance as part of the visa formalities. The benefits offered by the insurance may outweigh any doubts regarding it, provided you keep the premium amount in check and cover all the bases according to the travel plans.

While many points about overseas travel insurance may seem insignificant, these points sometime make all the difference in case of emergencies. Hence it is pivotal to read and understand the terms of the plan. Even if the travel plans are as uncomplicated as relaxing at the beach or exploring the local markets, or adventurous as skiing, having travel insurance helps lessen the worry while traveling. Consider your overseas travel insurance plan as a security net to safeguard your vacation so that you can have a great time without hurting the pocket.

For more updates and News follow Policybazaar Youtube Channel

Here’s why you should buy travel insurance for your weekend getaway

Weekend getaways are great to take you away from the heavy schedules of work. Most of the travelers believe that weekend trips don’t require any travel insurance due to the short duration of the visit. Even though you might be tempted to save money on these short trips, giving into this temptation could prove to be expensive. You can face the same troubles on a weekend getaway as with longer duration trips.

Risks that can be insured in an International travel insurance plans

Good International travel insurance plans provide coverage for risks involved in any trip, even weekend getaways, such as:

1. Flight or stay delays and cancellation: In case of flight delay or cancellation, the travel insurance plan covers the overhead expenses incurred. This would ensure that you could make alternate travel or stay arrangements without halting your trip. 

2. Damage or loss of passport and luggage: Not all weekend getaways translate to road trips. Short international trip for a weekend getaway would involve traveling by public transport. And losing luggage on such trip is a common occurrence; many travelers can vouch for that. International travel insurance plans offer coverage for such incidents. It is a crucial benefit, especially in the case loss of passport, having international travel insurance; you are privy to round the clock assistance that can expedite the process of completing the necessary formalities.

3. Medical expenses: Medical emergencies can strike anywhere and while on vacation, you wouldn’t want the doctor’s fee or other medical expenses to mount your credit card bill. International travel insurance plans provide cashless medical assistance or reimbursement of the said bills, subject to the policy terms. 

4. Emergency evacuations: Natural disasters such as wildfires, flood, earthquake or man-made emergencies such as political crisis etc. can result in the need for emergency evacuations. Charges for emergency evacuations runs in tens of thousands of rupees, especially emergency medical transport. Comprehensive international travel insurance plans include such contingencies and provide assistance in such situations. 

In addition to these, International travel insurance plans also include some other benefits to ensure that all possible aspects of your weekend travels are covered. Some of these benefits are:

1. Personal Liability: Personal liability is the expenses incurred in case someone’s property is damaged or you injure someone. By including this benefit in your domestic or international travel insurance plans, one more unexpected expense can be addressed and you can enjoy the vacation more relaxed.

2. Additional Expenses: While your travel insurance plan might cover the costs of flight delay or cancellation, you might have to incur some extra unprecedented expenses while you wait for the changes travel arrangements.

3. Amendment and cancellation costs: In some cases, you might need to alter or even cancel your plans altogether. These can change your booking costs and a good international travel insurance plan can help take care of these charges. 

4. Accidental Death: In an unfortunate event of death, some International travel insurance plans pay a lump sum benefit. 

Merits of travel insurance for weekend getaway

While the majority of people believe that travel insurance is a necessity for long vacations, what they don’t realize that the correct travel insurance policy would provide a similar cover for short vacations, even the weekend getaways. In fact, the same risks are covered for both international and domestic trips. Hence, it is a smart and practical choice to buy one of the domestic or International travel insurance plans while you plan for an exhilarating vacation because no matter where you travel, a vacation must be relaxing and stress-free.

Making travel insurance for short trips affordable

1. Opt for basic cover: If you are taking a short trip with fewer contingencies, you can opt for a basic cover. For example, your stay booking is refundable or in case of an interstate weekend getaway, you would be traveling by your own car then benefits for cancellation or delay won’t hold much value.

2. Plan ahead: Just like your bookings and tickets, it is always beneficial to figure out your interstate or International travel insurance plans ahead of time. This will give you a clear picture of your situation and requirements. This also helps in covering the costs incurred due to any change in plans during the months leading to your departure date. 

3. Know your needs: It is essential to identify your needs and goals for a travel insurance plan. This helps in looking for a product whose terms are suitable and match your needs. For instance, if you prefer weekend getaways at the beach and are a minimalist traveler, you need not have the benefit for insured valuables in your travel insurance plan as those generally result in higher travel premiums.

4. Buy online: It may seem a pretty straightforward and hassle-free step to buy the interstate or international travel insurance plans from your travel agent or select the travel insurance checkbox on the flight booking website. But this could mean you paying more for your travel insurance as most of the times travel agencies and flight booking websites have their own commissions added to the premium. Hence you should always purchase the travel insurance online from an insurance portal or directly from the policy providers website.

5. Compare products: Before purchasing any of the domestic and international travel insurance plans available, shortlist the ones that suit your needs while falling under your budget. Now compare these selected products to pick out the ideal travel insurance plan for you. 

6. Discounts: The insurers sometimes offer existing customers discounts on travel insurance plans, making it lucrative to purchase the plan from them.       

7. Annual Policy: If you go for frequent short trips or weekend getaways during a year, purchasing an annual policy can actually be more affordable and suitable for the long run. You should go for an annual policy of you would be taking at least two or more trips in the 12-month span. 

Even though you might be going for just a weekend getaway, always opt for at least the basic coverage that includes all possible risks without burning a hole in your pocket once you have compared and studied the various domestic and international travel insurance plans available in the market. 

For more details check ​PolicyBazaar Customer Reviews

Travel Insurance Facts you didn’t know

We all look forward to the exhilarating process of planning a vacation. No matter what the duration, we often overlook the small yet essential details such as Travel Insurance. Most people assume that if they have health insurance cover, there is no need to purchase additional Overseas Travel Insurance Cover while making a trip abroad. This is a complete myth for two reasons:

1. Travel Insurance Cover includes more than just health emergencies.
2. Not all health insurance covers extend to stays and incidents that happen outside the country.

Keeping in mind that you are essentially on foreign land, it is smart to invest in an Overseas Travel Insurance Cover so that you can enjoy a stress-free vacation.

What is an Overseas Travel Insurance Cover?

Overseas Travel Insurance Cover can be defined as a short-term insurance cover designed specifically for travel-related emergencies and any unforeseen expenses. Contrary to popular belief, that travel insurance is just another health insurance cover for when you travel, the travel insurance provides coverage for various other aspects such as lost baggage, cancellation of flights, loss of an expensive item, medical evacuation etc. subject to the policy terms.

Inclusions:

Following are the common inclusions in travel insurance covers but may vary from policy to policy.

1. In-patient and outpatient care
2. Cashless medical expenses
3. Emergency medical transportation
4. Accidental death and disability
5. Loss of baggage, delayed trip, trip cancellation
6. Loss of passport
7. Expenses incurred due to change in flights as a result of overbooking

Exclusions:

Some common points of exclusion we see among various policies are:

1. Coverage for pre-existing medical conditions, unless otherwise mentioned in the policy document.
2. Less than 24 hours of delay in baggage.
3. Losses and/or flights missed in case of protest/wars.
4. Injuries caused by adventure sports.

7 Lesser Known Travel Insurance Facts 

Here we bring you 7 facts about overseas travel insurance cover that your travel agent or insurance advisor might not share with you. Keep these I mind while purchasing the insurance cover to ensure maximum protection.

1. If you lose it, you need to prove it 

While we have established that some articles can be covered under an overseas travel insurance plan, it is pertinent to note that you might need to prove the loss to your insurer. This could be through theft report filled to the local authorities such as an FIR. It is also important to note that the loss of the item must not have occurred due to unattended baggage, as most of the insurance providers consider this as grounds for rejection of a claim.

2. Time period to make claim

Each insurance provider stipulates a time period under which the necessary claims must be filled. This is important to consider in case of long-term travel. For example, your policy states that the claim must be made within 30 days of the incident. You are traveling for approximately 2 months and lose your baggage upon arrival in the foreign country. In this case, you cannot wait till you return home to make the claim; hence it is vital that you choose a travel insurance cover according to your travel plans.

3. Alcohol and drugs can make the insurance void 

Alcohol and drugs result in poor mental faculties and insurance providers take this seriously. Most of the insurers specify in their terms and conditions that at the time of the incident, the insured must not be under the influence of alcohol and drugs.

4. The sooner you buy travel insurance, the better

It is advised that travel insurance must be purchased as close to your first booking towards the travel plan as possible. This could be your booking of stay or your flight booking etc. This ensures that these bookings and the subsequent arrangements you make are covered under the travel insurance, subject to its terms. In case of your flight is canceled well before time and you had not purchased the travel insurance yet, you would have to bear the difference in flight fare. Whereas this expense could have been avoided if you had purchased the travel insurance close to or before booking the flight.

5. Limits on claim for expensive items

While your insurance plan might include claims on the theft/loss of expensive items, it is essential to note that most insurance providers put a sub-limit on claims in these cases. Such as if you lost camera worth Rs. 20,000 and phone worth Rs. 30,000 on your trip, but the sub-limits on electronics under the cover purchased by you were Rs. 20,000. Hence the insurer would only be liable to pay Rs. 20,000 and not the total cost of the items lost.

6. Medical Evacuation

Certain medical emergencies demand immediate medical evacuations and certain medical transports can be highly expensive. It is advised to ensure that your travel insurance covers medical evacuation or expenses in case medical evacuation is not possible, in order to stay secure in case of severe medical emergencies. Some insurance providers also include priority evacuations in case of natural calamities such as earthquakes, tsunami etc. in their policy.

7. Travel insurance provided with credit card

Many credit card providers go beyond the lounge access to airports when you travel. They sometimes also include overseas travel insurance cover along with the various privileges associated with the credit card.  Therefore, you might be buying the travel insurance as per your travel agent’s suggestion or after reading a travel blog, but before making that purchase check the list of perks that you received with your credit card, you never know which other great deal you may find.

Conclusion

Not all overseas travel insurance cover plans are equal and not all travel plans are same. Hence, there is no plan that serves all when it comes to travel insurance but it is critical to purchase travel insurance especially if you are looking for a stress-free experience. As with all other kinds of insurance, identify your needs and requirements from the insurance cover and choose the product that suits all your needs well.

For more updates and News follow Policybazaar Youtube Channel

International Travel Tips to Know Before Heading Abroad

Planned a trip to Cambodia? Got everything ready? You might need to check again! Travelling across international borders is extremely exciting as you have a whole new world to explore and study about. But there are many things to consider before your flight takes off. We have a few tips for you to make your trip turbulence free. Read on! 

• Research

Research is the first step to anything, we mean anything. You do not even buy a phone without proper research. It is extremely important and of value while planning to travel abroad. You do not know the local culture and setting of an internal destination, you always need to find out what works and how it works out there in a different world for your own safety and for the purpose of not offending the locals. It is rude to tip a waiter in the country of Japan and the waiters in United States thrive on monetary tips. You know what just happened? You benefited with this knowledge by research on international travel. Research is very important to avoid or adjust to cultural shocks. 

• SIM

You might plan on not calling anyone during the course of your vacation as you want peace and solitude. But, my friend, you need to at least have an international SIM for use in case of emergencies. Find out about international SIMs or international package plans for your own safety. 

• Money  

Well, money matters! Aren’t we all, from childhood, told to mold our lives in such a way so that we can earn some valuable pieces of paper. So, while traveling, it is obviously the most important thing to have for your daily functioning and survival at a foreign destination. Make sure you already have the currency of the currency you will be travelling to, get it exchanged well before you leave for your destination as you will be needing the local money as soon as you will land in the unknown land to pay for food, taxis, etc. It can be risky and difficult to go to the country and then exchange or buy the currency.

• Insurance 

This is the most important thing to have when travelling to an international destination. Why you need it, you ask? Well, here’s why!

Travelling abroad is fun but an extremely uncertain event which makes it very risky. Getting travel insurance makes it a bit safer as you might encounter a lot of unfortunate and unforeseen risks at foreign or unknown destinations. During the course of the trip, you might get lost or you might get stuck at some place in case you are on an adventure sports vacation and might need to be rescued through rescue operations to get you out of that place safely. The travel insurance policy will cover the costs of the rescue, the hospital treatment in case of injuries sustained on the adventure and your safe return to your home and the transportation needed for it. Compare Overseas Travel Insurance to get the best benefits while travelling. Buy travel insurance to have a tension free trip abroad. 

While traveling abroad, few of the most important documents that you have on you are your passport, visa and other travel documents. If they are lost while travelling, it becomes a huge problem and might even land you into legal troubles if the theft or loss is not informed to the authorities. Your country’s embassy will work on getting you a temporary passport for your stay and return and the travel insurance policy plan will provide you financial help when you have to get your ETD - Emergency Travel Documents which will cost you some money. All the costs including the cost of the emergency travel documents are covered by the travel insurance company so that you are not stranded in a foreign location without any identification of yourself and land yourself in legal trouble. 

Another very important reason you need to have travel insurance for international destinations is because human health is uncertain, you never know when you will be falling sick during a trip, which is probably one of the worst things to happen when you are vacationing or working abroad. It is the best to compare Overseas Travel Insurances beforehand when planning.  Being away in a foreign land, you do not know much about the medical expenses there and how much it would cost and it is dangerous when going to a country with high health care expense such as the United States; you can absolutely not take any chances. 

The travel medical insurance will cover for your medical bills in case you get ill in an international destination while travelling and are in need of any medical attention with treatments or surgeries such as emergency dental surgeries. Travel medical insurance policies are very important while travelling to a destination in a large group or with your family or alone, especially if it is an international destination where you are uncertain about the healthcare. In case of any emergency like evacuation or shifting to a better medical facility, the insurance policy will also look after that. Buy travel insurance and be hassle free. Follow these tips and have a smooth and enjoyable travel to international locations. 

For more info and news visit PolicyBazaar Google+ Profile

Importance of Student Travel Insurance

Education in a prestigious university or institution in a foreign country will enhance your career growth. Many young students are able to fulfill their dreams by pursuing the best educational courses in a foreign land. Your education and career prospects should not be deterred by any means. The unexpected risks in various forms should be covered by a comprehensive student travel insurance plan. You should Get Student Travel Insurance as it is mandatory for many foreign universities. Further, you can protect your interests in the best possible way by choosing the most appropriate insurance policy. 

Benefits of student travel insurance 

• Tuition fee – The insurance company will repay the tuition paid to the university or educational institution as per the terms and conditions mentioned in the insurance plan. If you paid tuition fee advance, you will be benefited by the insurance plan. 

• Accident coverage of sponsor – If your education is sponsored by another person and something goes wrong with the sponsor, the insurance company will let you continue your studies. The student travel insurance policy can be claimed by the policyholder so that the tuition fee and other expenses will be paid (as per the policy wording) by the insurance company. 

• Loss of baggage or passport – The loss of baggage or travel documents should not land you in trouble. The insurance company will come to your rescue and you will get monetary compensation towards the loss of baggage. If you lose your passport, the insurance company will make arrangements to get a new policy. 

• Trip cancellation – The planned trip might be canceled due to valid reasons. These uncertainties will be covered by the best travel insurance policy. 

• Violent situation – You might be injured due to violent protest. When you buy a travel insurance policy, the risks are covered by the policy and there will be a quick financial relief for the policyholder. 

• Family visit – If the student suffers from serious illness or accident, the insurance company will pay the travelling expenses for the accompanying person. 

• Personal liability – If you break laws in a foreign land due to ignorance or some other reason you might want to pay hefty penalties. The personality liability clause will protect your interests and the insurance company will cover the financial damages in a very efficient manner. 

• University requirements – The student travel insurance policy should be bought as per the provisions of the university. The policy should fulfill the criterion of the university. If you buy a student travel insurance plan in India, you can apply for a waiver form so that the amount paid to the university towards insurance will be refunded. You can get more information from the official website of respective universities. 

• Support service – The insurance company will offer the best assistance in various aspects. It will manage a network of hospitals where cashless treatment will be provided. Paying hospitalization and treatment costs in foreign currency will be enormous amount and it may drain your chances of the continuation of education in the foreign land. The insurance company comes to your rescue and you will be able to overcome unfavorable and hostile conditions in the best possible way. The student travel insurance policy will cover various risks so that you will have absolute peace of mind. 

• Deductibles – As you buy student insurance plan from a reputed insurance company, you should be aware of the deductibles on the insurance policy. Deductibles are the amount that should be borne by the policyholder. 

Buying an insurance policy in India 

There are various insurance companies offering Travel Insurance For Students. You can buy a travel insurance online or offline from Indian insurance companies. The insurance premium can be paid in Indian rupees and the benefits can be obtained in foreign currency. 

There will be great savings by buying a travel insurance policy in India. If you would like to buy an insurance plan in a foreign country, you will want to pay 3 times the premium amount that you pay in India. Hence, it is advisable to pay the premium in India to make the most of your money. 

Coverage of medial and travel benefits 

You can Get Student Travel Insurance in India that covers the medical as well as travel benefits. If you buy an insurance policy from the university, it will cover medical risks that take place on the university premises. 

Conclusion 

It is advisable to have a comprehensive student travel insurance policy to make the most of your investment. The travel or health emergencies will cost you much. Hence, you should choose the best policy offered by a reputed insurance company. The service in terms of information and claim settlement offered by the insurance company will make a real difference. Hence, you should do your homework to buy the best student travel insurance policy in India to protect your financial interests. 

For more info and news visit PolicyBazaar Twitter Profile

Make the Most of Your Shopping Trip to London

You can manage the best shopping in London which is apt for designer clothing, unique items, specialist food and antiques. As you visit popular departmental stores, you can catch latest fashion and innovative home wares. There are small niche stores all over the city. Designer furniture, home-wares and gifts can be found in Marylebone High Street. You can plan your visit with a guide as it will help you choose the right destination as per your budget. You will save time and it is possible to derive best shopping experience!

Prominent shopping locations 

Oxford Circus – If you are focusing pure shopping, you should get down at the intersection of Oxford Street and Regent Street. The chains will change the stock on a regular basis so that you can find various kinds of items very easily. Even though you will want to go through the crowded street, it is a worthwhile option. You can also find the largest fashion store, TopShop. 

Harrods – The famous departmental store is located outside the Knightsbridge tube stop. Tourists, fashion-savvy people and wealthy people visit the location. You can find the giant food hall which helps you refresh in between shopping. You can buy attractive bags, shoes and chocolates. You will admire various items and it is easy to spend at least one hour for simple window shopping. 

Selfridges – The departmental store on the Oxford Street presents trendy items. You can shop for designer labels, quality eateries and high-quality food items. 

Harvey Nichols – It is located at the Knightsbridge and the place presents designer labels for men, women and children. You can shop home wares and accessories. The food hall is ideal for lunch. 

Bond Street – The Bond Street is ideal for designer shopping. You can figure out big designers, auction houses, jewelers and various brands including Cartier, Louis Vuitton, Aspery and Hermes. 

Covent Garden – if you are looking for new fashions and would like to spend more, you can visit Covent Garden. Most of the chains present in the area are in the lines of Diesel or Miss Sixty. 

Benefits of overseas travel insurance plan 

There are many benefits associated with the overseas travel insurance plans. You can Buy Overseas Travel Insurance Policy online after comparing the best policies from various insurance companies. You should be aware of the exclusions such as expenses arising out of drug abuse or alcohol, self-injury and suicide. 

The benefits are listed below:

• Emergency hospitalization expenses 

• Medical treatment 

• Repatriation expenses

• Emergency dental care expenses

• Accidental death and dismemberment 

Best Travel Insurance Plans

You should choose the best travel insurance plan as per your budget and coverage of risk factors. The policy can be customized as per your needs. When you choose the best plan, you can shop in the streets of London with absolute peace of mind. The travel insurance covers your stay in London. It will include pre and post hospitalization expenses as per the terms and conditions mentioned in the plan. 

Bajaj Allianz Travel Insurance Plan 

• In-house international toll-free and fax numbers

• Covers hospitalization expenses 

• Loss of baggage 

• Trip cancellation and trip curtailment is covered by the plan 

• Quick disbursement of claims 

• Insurance plans for students and senior citizens 

• Award-winning general insurance company 

TATA AIG Travel Guard 

The travel guard insurance plan by TATA AIG will cover your worries. All your belongings, journey and medical expenses are borne by the insurance plan. You can get the best deal from the reputed insurance company. 

• International travel insurance policy 

• Accidental death and dismember benefit 

• Bounced hotel or airline booking 

• Flight delay 

• Trip cancellation 

• Home burglary 

• Baggage delay benefit 

• Sickness medical expense reimbursement 

• Minimum sum assured $10,000 and maximum sum assured $25,000

Royal Sundaram Travel Insurance 

• You can get policy in 5 minutes 

• 24/7 dedicated helpline 

• Attractive premium rates 

• Cashless hospitalization abroad 

• Medical repatriation 

• Lost baggage and lost passport assistance 

• Embassy referral service

• Exchange rate information 

• Single trip/multi-trip coverage 

Religare Travel Insurance 

• Offers complete support for travel and non-travel related issues 

• Covers hospitalization expenses

• Daily allowance of $25 per day (max 5 days) 

• Sum insured € 30,000 & € 100,000

• Age band – Day 1 to unlimited age 

• Common carrier accident death 

• Medical evacuation 

• Double sum insured for accidental hospitalization 

Conclusion 

The medical expenses in London will be very high. You should insure the travel-related risks and other factors by choosing the best travel insurance plan so that the journey can be completed in a very confident manner. As there are various plans offered by different insurance companies, you should choose the best plan after comparing different plans. The insurance company that offers best claim processing, customer support and affordable premium should be selected. 

For more info and news visit PolicyBazaar Linkedin Profile

How to choose the best Travel Insurance in 2018

Did you plan a chill trip to the hills this new year or headed out to an island or a long holiday with your family or friends? Well, have a nice trip but you can have an amazing trip with a Travel Insurance in this new year of 2018. 

Travel insurance is the kind of insurance that will provide you the aid and support to cover medical expenses, trip cancellation, lost luggage, flight accidents and any other damages or losses that you incur while your travel period. The travel can be either international or domestic, so buy domestic travel insurance to stay safe even as problems can arise even within your own country. Travel insurance can and should be taken at the time of booking the trip so that it can cover for the expenses that you incur if you have to unfortunately cancel you trip which will cost you from the flight tickets, hotel room bookings, etc. 

The travel insurance can be taken to cover the whole duration of the trip or you can also take a “multi – trip” policy that would be covering all the trips which will take place within a set time frame. Lower and higher medical expenses are options in the insurance. The higher ones are important for the countries that have high medical costs, for example, the United States. As the U.S. has extremely high costs of healthcare, it would be best advised to take up a good travel insurance which specialized in the health sector, a travel health insurance. The benefits of travel insurance will help you a great deal when travelling. 

Getting a good travel insurance before anything happens is probably the best time to get it as you can make claims right away. This will benefit you and not disrupt or spoil your trip. You can no longer get travel insured after any occurrence of disrupting or unfortunate events like acts of terrorism, illness, severe weather illness, luggage loss or damage. Get travel insurance and travel safely. 

What makes your travel insurance the best one?

• If it covers the cancellation costs

Take up a travel insurance that will cover the costs that you incur sue to the cancellation of the trip through the tickets, hotel bookings, booking fees, etc. The insurance company will reimburse the insured for pre - paid, non - refundable expenses of flights tickets, hotel rooms, tours, etc. if in case you have to cancel your trip before leaving but after booking everything. Also, make sure that you get a travel insurance while or soon after getting the trip booked so that it compensates you for the cancellation. 

• Emergency health care 

The best travel insurance will provide you emergency medical attention if anything happens to you while travelling. It will cover the cost of the treatment for medical emergencies like dental surgeries, tending to injuries, etc. 

• Rescue and repatriation

Your travel insurance will arrange for the emergency rescue mission in case you are stuck somewhere while your travel or if there is some situation and you need to be evacuated immediately from the area you are staying in. The insurance policy will cover all the expenses of the rescue as well as any medical attention you need after the situation. I will also cover for the medical transport to a treatment center or the safe return to your home if you require so.

• Loss or delay of your baggage or personal items

The best travel insurance policy will cover for your baggage and items if they are lost, stolen or damages during travelling. It will reimburse for the clothing items, toiletries, medical emergencies and other travel essentials to assist you during your trip so that you can continue with it even after you have lost your baggage and personal items during the travel. So, choose a travel insurance that will provide cover for such situations. 

• 24/7 worldwide assistance

While choosing a travel insurance, you need to check if it will provide 24/7 assistance throughout the world. This assistance will help the insured to deal with claims, medical emergencies and other travel related assistance that they might require during the trip.

The year 2018 might change things for the good or the bad, you never know. It is pretty unpredictable. So, why not be prepared for the worst and get a travel insurance which will cover a huge chunk of the area what you claim for. With the rise in prices each year, in most of the sectors, you need to be careful with what you invest in and how much insurance policy cover you opt for. 

With the new year of 2018, comes in newer possibilities but also more challenges and higher prices, so get the best travel insurance to stay safe. Buy domestic travel insurance to stay safe inside and international travel insurance to avoid problems outside. Have a god 2018!

For more info and news visit PolicyBazaar Facebook Page