Planning a dream trip to a pleasant holiday destination? Make sure you have a travel insurance plan so that you stay protected from any issues that can arise while you are on the trip. Typically, a travel insurance gives cover to trip interruption, trip cancellation, delay in the trip, delayed and lost luggage hassles, medical evacuation and coverage in case of unfortunate accidents. The travel insurance would give cover to all the prepaid but non-refundable parts of your trips. Travel experts advise that one should do a research before doing a travel insurance comparison.
The Types of Travel Insurance Available
The travel insurance policies have deductible premium rates. These are based on either the length of the trip or the percentage of the cost of the trip.
- Single trip or short term gives cover for a maximum of 90 days
- Multiple or long term trips can be for 1 year
- Expatriate trips gives cover to people who are living overseas
- Foreign nations covers the ones who are not natives to the country
What Are Excluded In The Travel Insurance?
Most of the travel insurance companies have certain restrictions regarding the coverage facilities. This means that the companies do not give cover to some of the issues like pregnancy conditions, mental illnesses, self-inflicted injury, sports activities, prior medical conditions, suicide and claims arising from war situations.
Tips To Choose the Right Insurance Policy
Finding a travel insurance agent is not that easy. Certain things are to be kept in the mind while searching reliable travel insurance. Some of the points we have enumerated below.
Research
The first step to finding the right partners is to do a rigorous research. You can search for them online and we hope that you would get a long list of the agents that are available within your reach. However, choosing the best one from among them is relatively a tougher option.
Know the Services
After you take down a list from your research about the travel insurance agents, contact them individually. You can fix your appointments with them and inquire if they are able to look after your needs and the countries that they are going to offer you services.
Read the Terms & Conditions of the Policy
A travel insurance comparison will help you better to compare the services, prices and also the terms and conditions of the policies you choose. After you read the terms and conditions you will know what are the services that you are applying and paying for.
Check for the Refund Policies
Everything depends on destiny. You might be booking and planning for a long trip but sometimes the cruel destiny might not be in your favor. So, you might have to cancel everything that is related to the trip. The moment you have to do that you would also like to cancel the travel insurance plan. For such situations know if the insurance company is going to provide you refunds or not. Some companies do offer this facility.
While you are looking for a travel insurance plan you need to check with the insurance providers for the facilities they offer so that you can enjoy your trip to the fullest.