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How to Choose Best Travel Insurance Policy in 2019


When planning a trip to another country or maybe city, we mostly throw caution to the weather and safety with the hope to make the vacation a hassle-free one. However, we are so caught up with the planning that unanticipated situations like theft, health emergencies and loss of baggage never cross our mind.

It is during situations like these that we understand the importance of travel insurance and why we shouldn’t brush it aside when planning a vacation. So, how to decide which travel insurance will cater to all the needs and is best suited? We are here to help!

1.Check the Coverage Option

Yes, it’s true that price often ends up being the deal breaker when buying a travel insurance plan. However, our advice is to consider the insurance cover and not the price. A travel insurance policy should cover medical emergencies, loss of baggage, trip cancellation and interruption, legal expenses, loss of important documents and passport. When buying a travel insurance policy in 2019, make sure it covers you from all conceivable risks on a trip.

2.Check the Inclusions and Exclusions

Each travel insurance plan has a list of inclusions and exclusions. Knowing about these beforehand will also help in filling a successful claim. Read the documents carefully before signing up for an informed decision. For example, some travel insurance policies don’t offer coverage for non-allopathic treatments including Unani, ayurvedic, yogic, and homoeopathic. Further, be watchful about the restrictions imposed on activities, illnesses and specific destinations.

3.Opt for a Multi-Trip Plan

Are you mostly out on a trip whether for leisure or business? Annual multi-trip insurance will suit you best. Depending on the requirement, you can choose between 30, 45 or 60 days. All in all, a multi-trip travel insurance plan is the best way to stay insured while hopping from one destination to the other. Plus, the hassle of buying insurance every time you plan a trip is also eliminated.

4.Does It Cover Emergency Accommodation?

It is important to be mindful as things may not always good as planned. If calamities like earthquake, flood, fire, and hurricane cause damage to the original accommodation, the policy must compensate for the emergency lodging cost. Keep all the emergency accommodation documents safe to file a successful claim when you are back. Claim rejection is the last thing anyone wants to deal with after a memorable trip, right?

5.Check for Cancellation Cover

A cut short in the trip or cancellation due to some emergency can be disappointing. What’s more stinging is the financial loss incurred on the flight, accommodation and other pre-paid booking cancellations. Thus, buying a policy that offers adequate trip cancellation cover is a wise choice. Whether the trip was cancelled due to a medical emergency, natural disaster or employment problems, the travel insurance policy should cover all.

6.Be Wise and Travel Smart

Depending on the destination of travel, there are different travel insurance plans available. Secure your international trip with the comprehensive travel insurance plan of Bharti AXA Get your instant quote today!

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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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