5 Things to Keep in Mind While Comparing Travel Insurance Policy Online

As the famous adage goes, “The world is a book and those who don’t travel read only a page”. Traveling is an amazing experience and a great way to unwind. Although, this experience can turn into a nightmare anytime, if not planned properly. One of the most important things you need to take care of while going on holidays is to buy a travel insurance plan as it protects you against various mishaps such as emergency travel medical expenses or loss of baggage. Moreover, there are several different types of plan available which suits different kind of travelers. For example, there are policies designed specially to meet the requirement of senior citizens, business travelers, students, etc.

 

Just like any other insurance plan, travel insurance also comes with several exclusions and terms and conditions. Thus, it is advisable to compare features of different insurance plans online and choose the best travel insurance that suits your needs.

 

 

What are the types of travel insurance?

 

There are several different types of travel insurance policies available online. Below mentioned table will help you in this regard –

 

Type of Travel Insurance	Coverage
Leisure Trip Insurance	Medical expenses Loss of passport benefit Trip delay benefit Loss or delay of checked-in baggage Trip cancellation Accidental death and dismemberment benefit Missed connections/departures
Multi-Trip Insurance	Medical expenses including medical evacuation Hijacking benefit Loss of passport benefit Emergency cash advance Trip cancellation Missed flight/departure Accidental death benefit
Asia Travel Insurance	Medical expenses Loss of passport benefit Trip cancellation Loss or delay of checked-in baggage Sickness dental relief Personal liability benefit
Student Travel Insurance	Medical expenses Repatriation of mortal remains Ambulance charges Compassionate visit Loss of delay of checked-in baggage Accidental death and dismemberment benefit Child care benefits Loss of laptop Study interruption Physiotherapy Maternity benefit
Senior-citizen Travel Insurance	Medical expenses Hijacking benefit Trip delay benefit Trip cancellation Emergency cash advance Accidental death and dismemberment benefit Sickness dental relief

 

 

Although, do not just buy any travel insurance plan suggested by an agent, rather go through the plans available and then decide on a plan that suits your need the best. Many of us fall into the trap of considering travel insurance plan as another formality before traveling. However, this is not advisable. It is important for you to  ensure that you compare all the factors before signing on the dotted line. Besides, read on to know how to choose the best travel insurance online –

 

• Type of plan: There are several different types of plans available online for different needs. A single-tour plan for short tour and multi-tour plan for the frequent-flyer program. Also, there are plans designed specially to cater to the needs of a particular group like students going abroad or senior citizens going for long duration to meet their children. Thus, you need to consider these things before choosing the travel insurance online.

 

• Add-on features: If it’s a leisure vacation, then go for a regular plan. But, if you have adventure sports in your travel plan, then you need to add special add-ons to cover accidents related to it. Similarly, if you are going away for a couple of months, you need to get a home insurance coverage that will cover you against loss or damage by burglary, fire or natural disaster. You must consider before buying plan online.

 

• Service and claims history: You must check the service and claims history of your insurance company. What’s good is an insurance company if it doesn’t pay your claims on time or if it doesn’t come to your aid when you need it? You should check for 24x7 toll free help line, online emergency assistance services, claim process, network hospitals, and payment options before buying the plan online.

 

• Medical expenses: No matter what precautions you take while traveling, a medical emergency can come anywhere, anytime. Thus, buy a travel insurance plan which includes a medical cover. A medical insurance cover will take care of your hospitalization bills, medical bills, cashless hospitalization, dental procedures, emergency medical expenses, and pre-existing conditions.

 

• Destination: The risks you are exposed to depends upon the country or place you are visiting. Therefore, it is important for you to choose the right amount or type of coverage. For example, a travel insurance cover for a trip to an earthquake prone place like Japan is going to cost you more than that of a place like Singapore.

 

Why buy travel insurance plan online?

 

There’s a long list of reasons to buy travel insurance plan online. Here’re some of them:

• Easy comparison of travel plans
• You can make an informed choice by getting quotes for travel plans online
• Save your precious time
• Buy instantly and hassle free
• Avoid confusion and choose the plan that suits your needs
• It provides guaranteed safety and peace of mind

 

Travel insurance is a blessing for all travelers and to enjoy the benefits you need to do thorough research, compare and choose the plan that best suits your needs. In order to get the best travel insurance, it is advisable to compare travel insurance online as this will help you to get the right one. Buy Royal Sundaram’s travel insurance policy online and leave behind all your worries so as to enjoy every minute of your trip. Have a happy globetrotting!