Travel Insurance

What Is Travel Insurance?

Travel Insurance, as the name suggests, is basically an insurance policy taken for the safety and security of your journey in advance. Let’s say you are traveling to Los Angeles from India to see Disneyland which has been your dream for a lifetime. So you packed your bags and left for Los Angeles with a bunch of plans and ideas.

But after landing in a foreign land, you find out that the weather is totally different from where you live in India, and as usual you feel under the weather. Or, just say, one of your family members with whom you are traveling falls sick or meets an accident that requires emergency hospitalization. Neither can you enjoy the trip, nor do you have peace of mind.

All your pre-made plans now go in vain. On the other hand, you have to spend a lot of money on treatment in a foreign land. And not to mention, the hospitalization expenditure is much more expensive than it would have been in India.

So it’s just a brief synopsis to put a little light on your conventional perception of touring. However, it can happen with anyone, since the possibility is high. And travel insurance is the only effective weapon you have in your hands to battle with such a horror-stricken state of affairs.

However, with a travel insurance policy, you don’t have to worry about all these anymore since a travel insurance plan will act as a shield and protect you from any unforeseen travel contingencies. You can simply click here to buy the best travel insurance online instantly.

Different Types of Travel Insurance Plans

It is important that you understand different types of international travel insurance.

• Domestic Travel Insurance: Domestic travel insurance is offered to those traveling in India only. Any Indian citizen traveling within India can opt for domestic travel insurance. Domestic travel insurance offers coverage for any medical emergencies, baggage loss, travel delay, etc.
• Individual Travel Insurance: You should consider buying individual travel insurance if you are traveling overseas alone. You can avail various medical and non-medical benefits such as emergency dental expenses due to an accident, compensation against accidental injuries, baggage loss, etc. when you opt for individual travel insurance.
• Corporate Travel Insurance: Employees belonging to the corporate sector or organization can avail coverage for domestic or international travel under the corporate travel insurance policy.
• International Travel Insurance: It is very important to buy international travel insurance before you set foot on a foreign land. International travel insurance provides protection against any unforeseen medical or financial emergencies such as hijack, repatriations, loss of travel documents, medical expenses, etc.
• Student Travel Insurance: This is the best overseas travel insurance policy for students who are traveling abroad for further studies. Student travel insurance offers comprehensive coverage in the form of expenses incurred on passport loss, medical treatment, or any others reasons leading to the disruption of studies.
• Senior Citizen Travel Insurance: As the name suggests, this travel insurance is chiefly designed for senior citizens. Any senior citizen traveling anywhere will be benefitted from senior citizen travel insurance. This travel insurance is for the age group of people between 61 and 70. Senior citizen travel insurance offers coverage for cashless hospitalization, dental treatment, etc.
• Family Travel Insurance: This travel insurance policy is for the entire family traveling both domestic and overseas. A family travel insurance policy offers coverage for the entire family. Hospitalization, baggage loss, and other incidental expenses are covered under family travel insurance.
• Multi Round Trip Travel Insurance Policy: Multi round trip travel insurance policy is specifically for travelers with multiple trips around the world within a specific time period. The benefit that includes a multi-trip travel insurance policy is that travelers don’t have to buy international travel insurance each time they travel abroad.
• Single Round Trip Travel Insurance Policy: Single round trip policy is travel insurance for a specific overseas trip. All kinds of regular coverage are provided under this international travel insurance.

Why Buy Travel Insurance Online?

You must buy travel insurance prior to you set foot in an unknown land. The best way to buy travel insurance is online. When you buy travel insurance online, you will have a number of options and benefits like the following:

• When you buy travel insurance online, you will have a plethora of options. You can choose the plan as per your travel requirements, budget, etc.
• You will have the option open to compare various travel insurance plans when you choose to buy them online. The comparison will help you choose the best plan.
• There are various insurers that offer attractive discounts when you purchase travel insurance online from them.

Which Travel Insurance Plan Should I Buy?

There are a number of different travel insurance plans to choose from. Below is a list of top different travel insurance plans and their descriptions. You can choose any from them on the basis of your requirements.

• Overseas Travel Insurance: International or Overseas Travel Insurance provides protection against any unforeseen medical or financial emergencies such as hijack repatriations, loss of travel documents, medical expenses, etc.
• Individual Travel Insurance: You should consider buying individual travel insurance if you are traveling overseas alone.
• Family Travel Insurance: This travel insurance policy is for the entire family traveling both domestically and overseas. A family travel insurance policy offers coverage for the entire family. Hospitalization, baggage loss, and other incidental expenses are covered under family travel insurance.
• Senior Citizen Travel Insurance: Any senior citizen traveling anywhere will be benefitted from senior citizen travel insurance. This travel insurance is for the age group of people between 61 and 70. Senior citizen travel insurance offers coverage for cashless hospitalization, dental treatment, etc.
• Student Travel Insurance: This is the best overseas travel insurance policy for students who are traveling abroad for further studies. Student travel insurance offers comprehensive coverage in the form of expenses incurred on passport loss, medical treatment or any other reasons leading to the disruption of studies.

What Are the Benefits of Travel Insurance Policy?

Travel insurance policies are specifically designed to keep you safe against any travel-related complications such as baggage delay, loss of passport or any other travel documents, medical expenses, etc as you are on an abroad trip. Find out some of the unique benefits of travel insurance.

• Covers Flight Delay: Travel insurance policies cover flight delays. In case your flight is delayed and you are faced with problems, your travel insurance plan will cover that.
• Passport Loss: If your passport is lost or stolen during your journey in a foreign land, your travel insurance policy will cover that too.
• Medical Expenses: No one knows what unforeseen circumstance one could face as they travel abroad. God forbid, if you suffer any health conditions or an accident in a foreign country, you will be required emergency hospitalization. The hospitalization and medical expenses abroad are so much higher than in India and it could cause you to say goodbye to all of your lifelong savings. But traveling with a good travel insurance plan you no longer have to worry about all these since it will be taken care of by your travel plan.
• Baggage or Luggage Loss: just imagine you are traveling abroad and your luggage or baggage is lost or gets stolen, how do you deal with that? Your luggage could include various important stuff such as clothes, money, travel documents, etc. travel insurance policy can protect you from all these circumstances and many more.

What Are the Benefits of Buying Online Travel Insurance?

Almost all the reputed travel insurance providers nowadays offer their travel insurance plans online. There's no doubt that buying an online travel insurance plan can save a lot of your time and the premium that you will be paying. Now let's check out some of the other positive sides of buying travel insurance policies below:

• Round the Support: Along with the benefits of various travel insurance policies to choose from, online travel insurance offers round-the-clock support to their clients for convenience and a hassle-free experience. You can call and get instant support through the toll-free number of your travel insurance provider. You can also email at the company mail-id.
• Enormous Geographic Coverage: Online travel insurance plans from any reputed insurance companies offer coverage across global geographies including Schengen countries and a range of benefits to suit your each and every requirement.
• Widespread Plans to Opt from: Online travel insurance offers a wide range of travel insurance plans online to match your requirements. You can also choose a travel insurance policy from the preference of your insurer depending upon the size of your and age.
• On the Spot Plan Comparison: Online travel insurance offers their customers a spot plan comparison through their online platform. You can also get hold of the best policies online by visiting the company website.
• Transparent Claims Settlement: You will be provided easy and transparent claims settlement with online travel insurance plans. Friendly claims assistance is also offered by any insurer that offer travel insurance plans through an online platform.
• Instant Travel Insurance Policy: You can buy travel insurance online right away. You can buy a travel policy online right before the moment you set foot in a foreign land.

Steps to Validate That You Have the Right Travel Insurance

You can do this in the below-mentioned steps:

• Mileage of Your Travel: How far you are traveling or at which corner of the world you are flying to holds immense significance in terms of travel insurance coverage. Make sure that the travel insurance policy you have just bought or choosing to buy covers the geography you are going on a trip.
• Know Your Travel Policy Limits: Each and every international travel insurance plans have their own limits on coverage. It’s important to gather detailed knowledge about the limits of your travel insurance before you can conclude that you actually have the right travel insurance plan.
• Know Your Trip Activities: You will not be covered if you break your leg while mountain-climbing or skiing if these factors are not included in your travel insurance plan. This is why having proper knowledge of the ‘inclusion’ and ‘exclusion’ of the travel insurance policy is very vital to verify that you have the right travel policy.

How to Avail the Best Travel Insurance Policy in India at a Cheap Price?

Here’s what you have to do in order to avail a cheap yet best travel insurance plan:

• Know about the travel insurance providers and learn about the plans.
• Know about what is covered under travel insurance and also know about what is covered since this will help you at the time of filing a claim with your travel insurer.
• Visit an online insurance comparison portal where you can compare travel insurance plans on the basis of your requirements, budget, and benefits. Make sure that the online insurance comparison portal you choose is a reliable one and offers unbiased quotes.
• Now, choose the travel insurance plans that concern you or what you think are the bests and then compare side by side. By comparing travel insurance plans online you will get to know differences between the same-looking plans.
• In the end, you will be able to spot the best travel insurance policy after the quote comparison. You may also become eligible for an additional discount on the premium when you choose to buy an international travel insurance plan online.

Following the above-mentioned steps, you can easily get your hand on the best yet cheap travel insurance plan without any hassle. If you want to avail the best travel insurance plan or to compare travel plans from different insurers in India at the click of your mouse, click here and grab the best deals.