When it comes to travelling abroad, most of us focus on getting the best deals on airfare, accommodation, airport transfers etc. However, we completely forget about making provisions to make your trip safe. In most cases, the medical expenditure in any other country outside India is sky-high. In this case, each and every traveller must buy some sort of
travel insurance depending upon their requirement.
Besides the fun part, one must also plan it smart by opting for travel insurance. The very basic thing you can to do select your
international travel insurance is to read the reviews of people those who have used the policies at some point or the other. Here are some rules to follow while buying a travel insurance policy online-
Duration
If the travel duration is more, it clearly means that you will have to pay a higher premium. If you feel that you travel more often, then go for a multi-trip insurance policy to get a great deal as the premium payable is a little less in that case. The multi-trip travel insurance policies are usually valid for the entire year and cover one person for multiple trips during the year.
Place
The main reason that determines your travel insurance premium is the destination that you are heading to. If the country, you are travelling to, has higher medical costs, your premium automatically goes up. Also, if you are visiting a country that is prone to calamities such as earthquake, flood etc., then again you have to shell out a higher premium.
Travellers
Each and every travel insurance company has certain rules and regulations when it comes to its primary offering. For instance, some companies also offer a travel insurance policy that covers people who have crossed the age of 60 against pre-existing illness, death etc. You must read the terms and conditions carefully before making a selection.
Travel plan
If you are going for a simple holiday which includes eating, sleeping and sightseeing, the premium is much lower. But when you are travelling to a destination which is known for its adventurous activities, you can ask for a travel insurance policy which covers medical expenses caused by adventure sports. There are plans available for these needs but the premium payable is comparatively higher.
Travel Insurance Services
In case you lose your baggage, you will be reimbursed with a particular amount which is pre-specified as per your policy. Simply complete a few formalities and claim the money. If you have bought a particular type of policy, you will be reimbursed the expenses incurred while obtaining duplicate passport or any other document.
People also opt for add-on policies that cover fire or theft insurance for their house till the time they are away. If you're travelling to
USA & Canada,
Australia & New Zealand or any
Schengen ,
Asian,
Middle east countries, you should look for Insurance services specific for your need.