A good travel insurance is one that is comprehensive and designed in line with your travel plans. However, buying a perfect travel insurance policy is not as easy as it sounds. There are multiple factors that need to be considered to make an informed purchase.
This article will act as a guide to buying travel insurance. We will be discussing 5 smart questions to ask before buying travel insurance online. So, if you want to know what they are, keep reading.
5 Clever Questions to Ask Before Buying Travel Insurance Online
- Why Do I Need Travel Insurance and What Type?
Buying travel insurance online is the best way to safeguard yourself against a range of unexpected situations like flight delays, loss of belongings, medical emergencies and more. Before buying a policy, ask yourself why you need it.
Moreover, there are different types of travel insurance options which are designed for different types of travellers. Let us understand the main types of travel insurance online-
- Domestic Travel Insurance
Domestic travel insurance online is specially designed and limited to your domestic borders (within the country). Such policies come with a broad range of coverage, offering peace of mind to the domestic traveller in case of an unforeseen event.
- International Travel Insurance
International travel insurance online is designed for travellers who want to travel overseas. Unlike domestic travel insurance online, buying international travel insurance online is mandatory for some countries like UAE, Russia, Schengen Area, etc.
- Group Travel Insurance
Group travel insurance is a type of travel insurance online that offers coverage to the whole group that is travelling with you. However, the coverage is limited to a particular duration mentioned in the group insurance policy.
Depending on the sub-type you choose, you will get the travel insurance online coverage. The benefit of an online group travel insurance policy is that you get broad coverage for group members at a low cost.
- Single Trip Travel Insurance
Single Trip Travel insurance online policies target coverage for a single trip. This type of travel insurance coverage is excellent for travellers who don’t travel a lot.
- Multi Trip Travel Insurance
Multi-trip travel insurance online offers coverage for several trips at once, making it a cost-friendly option for frequent travellers. Most online travel insurance offers a maximum coverage of 180 days, and coverage ceases once you return. You can buy multi-trip travel insurance online for domestic as well as international travel.
- Senior Citizen Travel Insurance
Senior citizen travel insurance online targets people over 60. This type of plan offers dedicated coverage and benefits to aged travellers.
- Student Travel Insurance
Online student travel insurance targets students who travel for education from India to other countries across the world.
- What Type of Coverage Do I Need?
What kind of coverage do I need with my travel insurance? It is a very important question every traveller must ask.
A good travel insurance offers coverage for every aspect that may go wrong with your trip. Therefore, when answering this question, you must ask yourself what kind of trip you are going for. For instance, whether your trip is leisure, adventure, solo trip, or family trip with a senior citizen.
Understand what your trip needs and read through the coverage as they are the real travel insurance buying guide for you. Travel insurance providers even share blogs on tips for buying travel insurance, so read through different tips and experiences and make your coverage decision.
- How Do I Get Most Out of My Travel Insurance?
- Don’t Over Insure
You must not overinsure and pay a higher premium. When you buy travel insurance online, it covers pre-paid and non-refundable expenses. However, quoting the right amount is important to ensure an affordable travel insurance online cost.
- Add Only Needed Services
More add-ons mean more premiums on travel insurance online. Therefore, understand your trip and buy add-ons based on your needs.
- Buy in Groups
Group travel insurance is more affordable than buying travel insurance online individually. The only rule here is that you need to belong to the same group.
- What Add-ons Should I Choose with My Travel Insurance?
Usually, most comprehensive travel policies cover almost every aspect of your trip. However, you might need additional coverage under certain circumstances. This is where travel insurance add-ons become very useful.
You can consider various add-ons like missed connection, hospital allowance, personal accident cover and more based on your risk exposure.
- What Does My Travel Insurance Not Cover?
You need to read through the policy documents to understand what is covered and not covered by your chosen travel insurance. Usually, things that are excluded include:
- Natural disasters that began before you buy travel insurance online.
- Health crises before you buy travel insurance online.
- Loss due to emotional or mental disorder.
- Travel for planned medical procedures.
Conclusion
This guide comprehensively answers how to get the best travel insurance for your next trip. So, go through each question carefully before buying travel insurance online.
Remember, your travel insurance is your financial and emotional safety net during your trip. Therefore, buy the best one to ensure a worry-free trip.
