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4 Steps to Select the Right Travel Insurance Plan

4 Steps to Select the Right Travel Insurance Plan

Emergencies cannot be predicted; therefore, you always have to be prepared. Travel insurance helps cover you for unforeseen events like medical emergencies, cancellation of the trip due to weather conditions, theft of baggage, etc. Depending on the type of travel insurance you choose, you are either covered for specific events or you can alternatively get comprehensive travel insurance. If you travel often, then getting an annual travel insurance online is a good idea.

Now, travel insurance can be a little daunting to understand, but once you get the basics right, you will be able to make the right decision.

Understand Your Needs and Research for the Best Match

It is important for you to understand why you need travel insurance. Once you have charted down your requirements, for instance flight cancellations or medical emergencies or both; you can then research about the available travel insurance policies online. The premium of your travel insurance will depend on your travel destination, age, purpose and duration of travel.

Choosing the Right Travel Insurer

Once you have decided on the kind of travel insurance policy you need, you need to start looking at the various travel insurers. Understand the services they offer, and the covers they provide. It is important to compare the policies before making your decision. Always buy travel insurance from a reputed company which has a good claims record.

Clear All Doubts

Understand the breakdown of your travel insurance, how much are you covered for medical emergencies, trip cancellation, trip delay, trip interruption, baggage delay, travel assistance, etc. It is important for you to understand how you will be covered, in case you face any of these situations.

Read the Exclusions and Details

Travel insurance comes with a ton of benefits, but there are a few cases when coverage is not applicable. It is important to understand these, so that you don’t panic at the last minute or be caught unawares. Some don’t cover pre-existing conditions; however, you can pay an amount to waive off that exclusion. It is also important to read through the clauses with regards to the claim process, to be able to follow it whenever needed.

When it comes to travel insurance, it is important to understand these steps before buying travel insurance policy online. The key you need to keep in mind is to match your needs with a travel insurance policy that has the right coverage at an affordable premium. So good luck!


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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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