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Travel Insurance

5 smart questions to ask before buying Travel Insurance online


international travel insurance

Taking a much-needed vacation is a must to rewind, relax and satiate your wanderlust. But traveling to a foreign country isn’t always fun and safe. Baggage can get misplaced by a lax airline, passports can be lost and a sudden illness can set back your bungee jumping plans. In fact, 51% of misplaced baggage occurs during transfers – when you switch planes but your suitcase doesn’t.

Which is why buying travel insurance is extremely crucial before taking that trip to Hawaii. It’s also very easy to buy travel insurance online. However, before taking out your checkbook to pay an insurance company, you should ask them some of these pertinent questions listed below:

  • What Is the Maximum Payable Amount?
    Disasters, inconveniences and mishaps have a habit of creeping up on people when they least expect it. In order to prepare yourself for these inconveniences and accidents, it is a good idea to ensure that your chosen travel insurance policy has a maximum amount payable that can over all unforeseen setbacks.
  • Does Your Chosen Travel Insurance Policy Cover Medical Costs?
    Illness, much like lightning, can strike at any time. You could be roaming the streets of Paris and catch a cold or get a bad stomach infection from eating at a not-so-great restaurant in South East Asia. Not to sound too morbid, but the point is that the best travel insurance policy should cover all medical expenses related to emergencies, hospitalization and accidents.
    It’s always good to have a travel insurance policy that can double up as medical insurance in case of emergencies.
  • Will The Policy Provide Coverage in All Countries?
    If you are planning to travel to several countries during your trip – such as in a world tour – it is advisable to purchase travel insurance that provides coverage in all your destinations. There are different types of policies that provide different coverage and in different countries. Some policies may provide coverage in all European countries and others might provide worldwide coverage. Select a policy that best suits your travel plans.
  • Will The Policy Provide Coverage in All Countries?
    If you are planning to travel to several countries during your trip – such as in a world tour – it is advisable to purchase travel insurance that provides coverage in all your destinations. There are different types of policies that provide different coverage and in different countries. Some policies may provide coverage in all European countries and others might provide worldwide coverage. Select a policy that best suits your travel plans.
  • Is Travel Insurance Mandatory in the Country I’m Visiting?
    Travel insurance may not be required in India but it is compulsory in certain countries such as Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxemburg and Netherlands. Always check the travel requirements of the visiting country while planning your trip.
  • What’s Not Covered?
    While it’s important to know what’s covered in your policy, it’s equally (if not more) important to know what isn’t covered. For example, even the best travel insurance policy might not cover your expenses in war-like scenarios or injuries resulting from participating in adventure sports or being in a terrorist attack. Conducting a meticulous research on various travel insurance policies prior to purchase can help you get the coverage you need.
    Besides travel insurance, there are a range of general insurance products available online such as automobile insurance, home insurance and international student insurance.

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