How to choose a perfect travel insurance

Whenever go for any vacation, you always check the travel bags, your airlines or railway ticket, your passport and all travelling documents. Make sure your digital camera is in place. You try to secure everything you need to bring to your vacation spot is all ready for the trip. But are you secured? This article will help you understanding the benefits of travel insurance.


Planning your travel wisely is one of the best ways to ensure that your budget, interest and insurance. You may see the article: How to choose a perfect travel destination Most of the visitor and travel insurance policies don't cover preexisting conditions. Most common form of preexisting conditions are diabetes and blood pressure. Although people with these conditions can be in stable condition, they may dependent on medicines or regular checkup. Preexisting conditions might not be covered always, however, there are few ways you can control and take precautions to avoid and prepare yourself for such a situation where a preexisting condition might not take toll on you.


Understand the importance

Travel insurance is more than just an addition to your travel expenses. Travel insurance can protect you in various ways when you are on trip. It can protect you against financial loss if you are forced to cancel, delay, or corrupt your vacation. In some cases like non-refundable travel such as airfare, hotel and tour expenses, a travel insurance could also be relied upon to help you. Travel insurance could help guard you against loss due to medical emergencies, damage to personal property, and even a death that may occur while you are on a vacation. While travel insurance, you can seek assistance to replace lost luggage, arrange a flight back home immediately, or get medical help.

Check if the insurance company have international recognition

There are a number of internationally recognized insurers who have a network affiliates that could offer you assistance within and outside the country you are visiting.

The policy must includes travelling to your desired country

Always make sure to choose the insurance company the direct contact numbers and people within and outside the country you are visiting that could help you facilitate inquiries regarding medical assistance, travel advisories, and emergencies.

Choose insurance covers, only if you have any medical histories

Ensure that the insurance you are getting covers your medical condition, just in case you have important medical histories.

Check the refund policies

Make sure that you understood very well their policies. Some policies will refund your money if you cancel months in advance, but take note that there are only some insurance company who are giving refunds if you cancel at the last minute.

Cancellation waivers

Cruise and tour operators may offer cancellation waivers. This means for a fee, they will reimburse you a portion of your cost if you cancel for any reason up to 24 hours prior to departure.

Do some simple research for different few plans and compare them

Always research properly and compare among different plans.

Don't rely completely on what agent tells

Read the Insurance fine prints carefully and make sure you understand what is covered ad what is not. What is included and what is not in the policy.

Buy from a licensed agent

Check only the license number or licensed ID if necessary to check the authority to sell the policy while buy from a licensed agent or website.

Buy the insurance well in advance

Do not wait till the last moment. Buy the travel insurance policy well in advance.

Be sensible about the excess

This is the amount that the policy holder has to pay towards any claim. If, for example you claim for $600, and the excess is $150, he insurer pays out $450. If you set the excess high, the policy will be cheaper, but may not be worth having.

Check what is already covered by your home insurance policy or bank

Home policy often include insurance for personal possessions when away from home. You may also have a credit card or current account that includes travel insurance but check that the cover is sufficient for your needs. It can sometimes be very basic.

Choose yearly cover if you travel more than three times annually

If you travel three times or more a year then getting an annual policy that covers the entire year's travel for one fee is likely to cost you less than buying separate single-trip policies.

Look out for age limits

Many policies, will not insure anyone aged over 65, however fit and active. Most standard policies will also not cover any pre-existing conditions.

Best value travel insurance deals

To give some idea of the best value travel policies on offer. A family annual multi-trip policy for Europe.

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Author: Kailash Kumar05 Apr 2016 Member Level: Platinum   Points : 3

Travel insurance policies are not designed to cover medical treatment abroad as in the case of medical tourism. Instead the same cover medical emergency during travel period including accidental death, injury or disablement benefits. Some policies cover pre-existing conditions like asthma, diabetes also at additional cost. The travel insurance policies also cover overseas funeral expenses in case of unfortunate death abroad, repatriation of remains, return of a minor etc.

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