5 Useful Tips for Buying Travel Insurance to India
A lot of people perceive travel insurance to be a waste of money and time – they’re wrong. Not only is it not a waste of time or money, it’s a necessity. Many people believe that nothing will go wrong while they travel, or they just don’t think about it, when in actual fact, while we travel, things are more likely to happen to us, particularly in places foreign to us like India where illness and infection are more common.
Travel insurance for your travel is a crucial aspect of planning a trip which needs to be taken seriously. Travel insurance can protect you against numerous eventualities while you travel through India. Things like medical coverage, loss of luggage, loss of cash, loss of passports may all be protected depending on the travel insurance policy you choose. The following article will shed some light on the best way to buy the best travel insurance
policy for a trip to India
1. Know what you need
A comprehensive travel insurance
plan secures you from problems like trip cancellation
to flight delays and loss of baggage or passport. In case you have bought a non-refundable flight, ticket and plan to travel a long term
travel journey, then it is always smart to have a good travel insurance
policy which covers you in case of crisis. If you travel frequently back and forth from Australia it is wise to consider an annual multi trip travel insurance
plan, which may cover all your personal and business travel requirements. Also, in case you face an accident or suffer a medical emergency, travel insurance may save you from spending excessive money on these emergencies.
2. Choose the right plan
Usually, a travel insurance policy provides coverage for loss of luggage, trip delays, medical expenses, hospitisation during a trip. However it is important to consider all benefits such as trip cancellation, theft, personal liability and dental. All you need to do is to compare travel insurance online
, read the PDs and general exclusions cautiously and then choose the travel insurance policy
which is right for your needs.
3. Finalize your budget
Factors like the trip duration, age of the travellers, optional add-ons and number of travellers can help you gauge the cost of your travel insurance. Also, you can consider buying travel insurance closer to your date of departure, which can help minimize overall costs, however cancellation cover doesn't apply until you have purchased your policy so there is some risk to weigh up before buying.
4. Check the free look period
This is also known as the cooling off period, this means you can cancel your policy and be issued with a full refund if you cancel your policy within the cooling off period as long as you haven't started travelling or departed.
5. Know which documents are needed
In case of an unpleasant incident and you need to claim, there are several documents which you need to submit. The insured person needs to submit various documents like hospital discharge forms, medical documentation, stamped visa, medical bills, and photocopies of their passport, policy reports. So, make sure that if you have an incident you obtain the appropriate documentation to claim efficiently. If you get your luggage or some items stolen you willl need to report it to the proper authorities within 24-hours (immediately).
So, if you are looking for travel insurance to India
, then Travel Insurance Saver is here to help. You can compare several policies and choose the one which suits your needs. Feel free to contact us if you have any questions, to help you with a hassle-free holiday.