Travel Insurance


Make your travels safe with travel insurance

19th October 2022 8min read 98 views

After over two years of lockdowns and travel restrictions, families are ready to head abroad again. Despite taking all possible precautions, you may end up requiring medical assistance in a foreign country or have to deal with delayed baggage or stolen passports. Paying hospital bills or replacing lost or stolen goods overseas could cost you quite a bit. Thankfully, you can purchase travel insurance to help you deal with these issues. There are many different types of travel plans available online. Here’s your guide to finding the ideal insurance policy for your needs.

What Will My Travel Policy Cover?

A travel plan will help with:

Lost and Delayed Baggage

If your bags get lost or delayed, the insurance plan will help you cover the cost of purchasing essentials for the trip.

Delayed Flights

If your scheduled flight gets delayed and you have to re-book or pay for an extra night in a hotel, your insurance will take care of it for you.

Medical Emergencies

Your travel plan will cover medical evacuation to the nearest hospital and the cost of emergency treatments.

Compassionate Visit

If you’re stuck in a hospital overseas, the policy will pay for a family member to visit you and help look after you.

Lost Passport

If you lose your passport or it gets stolen, your insurance plan will help you deal with the cost of procuring a new one.

How to Choose the Right Travel Insurance Coverage

If you’re heading out on holiday, it’s a good idea to get insurance for your trip. Let’s look at what you should consider:

The Destination

Your destination dictates your insurance premium and coverage. While selecting a plan online, you must input your travel destination and the number of days you intend to spend there. The insurance company will provide a policy and premium based on this information.

Your Medical History

In case you have pre-existing medical conditions, you may need to look for plans that offer higher coverage for emergencies. Additionally, you will need to identify travel plans that cover your illness.

Your Age

Since travel policies include an element of health coverage, your age impacts the premium. As with health plans, travel insurance companies also provide special plans to assist senior citizens. If you’re a senior citizen or are travelling with somebody who is, you can purchase travel insurance for senior citizens. These policies provide coverage for individuals above 60, often covering travellers who are 80 or older as well!

The Number of People Travelling

You can purchase a single policy for yourself or look for group travel insurance plans instead. Group plans cover more than five individuals travelling together. If you’re travelling with four or more family members, you can opt for such a policy. Sometimes, companies purchase group policies while their staff travel abroad for work

The Number of Trips

Most travel plans only provide coverage for a single trip. However, if you happen to travel regularly, you could opt for a multi-trip travel insurance policy. These plans cover several short trips of no more than 30 to 60 days each. Multi-trip insurance is crucial for individuals who often have to travel in an emergency.

Claims Process

If you want to enjoy a smooth and hassle-free claims process, you can opt for cashless travel insurance. These policies directly settle your emergency medical bills with the healthcare provider, so you do not have to pay anything upfront.

Choosing the ideal travel policy does not have to be overwhelming. Once you understand your travel requirements, you can identify a policy that provides the best possible coverage at pocket-friendly prices. You can quickly purchase travel insurance online within a few minutes for a hassle-free journey every time.

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