Steps To Buy International Travel Insurance In 10 Minutes | Bharti AXA

The sheer complexity, volume and frequency of international travel means that there is no ‘one type fits all’ when it comes to selecting and buy an international travel insurance policy that meets your specific travel requirements.

Having a travel insurance policy with the right coverage for the places you plan to visit, whom you will travel with and the type of trip you have chalked out, will go a long way in keeping you protected from a bunch of unexpected and untoward circumstances.

We know that you are constantly rushing through your 24 hours and hard pressed for time, especially before an upcoming foreign trip. That is why we have broken down the process of buying international travel insurance so you can get the job done within 10 minutes.

GUIDE TO BUYING INTERNATIONAL TRAVEL INSURANCE

Step 1:

Compare Plans Online

You will find many travel insurance companies and online aggregators where you can compare multiple plans and get quotes online as well, to find the plan which provides the most relevant and comprehensive international travel insurance coverage for your needs.  

Step 2:

Select A Plan As Per Your Destination Requirement

While comparing travel insurance plans, it is important to look beyond the policy premium. Check for destination specific coverage. For example, for travel to the US your travel insurance plan should have adequate medical expenses cover so you need not shell out from your own pocket in case of a medical emergency. And if you intend to travel to any of the countries in the Schengen area then purchasing Schengen travel insurance is mandatory to apply for a Schengen visa. Since various parts of the world have different travel laws, ensure that you select an overseas travel insurance policy that provides coverage in accordance with the requirements of your travel destination.

Step 3:

Check For Adequate Medical Coverage

The most critical protection that travel insurance offers is covering your medical care and hospital treatment expenses, should you unfortunately fall sick or meet with an accident while travelling in a foreign country. While comparing plans online you need to look for an overseas travel insurance policy that gives you comprehensive medical cover benefits.   

These are some of the critical medical cover benefits that a good international travel insurance policy should offer:

• Emergency medical expenses including repatriation to India
• Emergency medical evacuation in case of severe injury or illness
• Dental treatment expenses for treatment that is non-cosmetic in nature
• Personal accident expenses
• Accidental death / partial or total permanent disability while abroad
• Daily allowance in case of hospitalisation

Step 4:

Plan Should Be Compatible As Per Type Of Traveller

While buying international travel insurance, make sure that the policy coverage meets the needs of the travellers whom it is meant to cover. For insurance if you are buying a policy for your elderly parents who will be travelling to the US, then the features of a regular travel insurance plan may not measure up to their specific requirements. The elderly require special care when travelling overseas, which is why you should opt for a senior citizen travel insurance plan to secure their trip.  

On the other hand if you have decided to go on a family holiday abroad then you should opt for a family travel insurance plan. A family floater policy will cover the policyholder, spouse and two dependent children below the age of 23 years. 

There is also the frequent traveller category. If you are a frequent traveller then going in for a multi-trip or frequent traveller insurance policy will definitely be more beneficial than buying a single trip insurance cover.

Step 5:

Non-Medical Travel Cover Benefits

While the medical coverage provided in an international travel insurance policy is very important, you should also check that the plan covers you from non-medical travel exigencies. Some of the important travel cover benefits to look for while choosing a suitable travel insurance plan are; coverage against loss of passport and important documents, delay or loss of checked in baggage, trip delays, cancellation and interruption and emergency cash assistance.

Step 6:

Purchase Your Selected Travel Insurance Plan Online

Once you are satisfied with the insurance policy coverage, inclusions and terms, simply enter your trip information and other traveller details requested and pay online through any of the available channels such as net banking or by card. That’s it. Once your payment is processed, your international travel insurance policy will be emailed to you.