Bharti AXA TRAVEL Insurance How to Choose the Right Policy and Make Your Vacation a Happy One 20 Feb 2018 How to Choose the Right Policy and Make Your Vacation a Happy One With an increase in awareness about the benefits and security provided, there seems to be a higher acceptance of buying travel insurance online. Having said this, the confusion lies in determining the right kind of travel insurance policy cover required for different travel destinations and needs. A common norm of travellers these days is to buy travel policy via aggregating websites that compare policies. While this helps you compare the different features and premium offered by various insurance companies, it has its own shortcomings. Hence, it is good to know on how to choose the right policy irrespective of what kind of travel plans you have. Identify Your Requirements A travel insurance tip is to be aware of your requirements. This will ensure that you won’t have to pay for something that you don’t need. You can decide this based on two factors- the travel destination and the nature of your trip. For example, if you are visiting USA, you need to purchase a policy that is includes travel medical insurance, the reason being that medical treatment costs are very high there. Purpose of Your Trip Understand and decide the nature/purpose of your trip. In your next travel destination, if you are planning an adventure trip that involves outdoor activities like skiing, bungee jumping or skydiving, it is imperative for you to avail coverage for these activities. Generally, adventure sports are not covered in a normal travel plan due to the high-risk factor associated with them. Hence, a travel insurance tip is you need to avail coverage against such activities as an add-on to the basic travel plan that you purchase. Duration of the Trip If you are planning to take more than a single trip in a year, buy a multi-trip policy which covers all the travelling that you do in a calendar year, with limits on length of each trip. The other advantage of this is that you are covered on a continuous basis and don’t have to shop for a new policy each time you book a travel. Check Your Existing Cover It so happens that you might be covered with travel insurance without even being aware. Some banks now provide free travel insurance for their customers. Hence, it’s always worth checking before you start shopping around. Along with this, a travel insurance tip is to browse through your home insurance policy as well; these will often cover loss of personal items while away from home. Understand Pre-Defined Limits for Coverage When people buy travel insurance online, a common misconception is that the sum insured is the only limiting factor to claim settlements. For instance, if the sum insured is Rs. 10 lakhs, the default baggage cover can only be up to Rs. 5 lakhs. In case you are carrying luggage that is worth a lot more than that, you need to opt for increased baggage cover. Understanding the kind of policy that you need based on your travel destination helps purchasing the right one which benefits you in many ways. The right travel policy saves you from unnecessary expenses and strikes the right balance between premium and coverage Why choose Bharati AXA Travel Insurance Travelling overseas is always fun. its more fun when you know your trip financialy secure. That's why our Travel Insuarnce is idel companion for all your journey's of life 130+COUNTRY WIDE PRESENCE COVERS ALL TRAVELS RELATED DISASTERS FLEXIBLE PLANES FOR YOUR NEEDS 24/7 AXA ASSISTANCE WORLDWIDE Explore Our Products Car Two Wheeler Travel Health Request Call Back Category * - Select -CarTwo WheelerHealthTravelPersonal Accident Buy Renew Claim submit 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 Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. 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.