Travel insurance companies are to offer you with plan ‘b’ in case you got stuck somewhere on your planned trip. Like bad time does not appear after making a knock on the door. It can happen at any time. If you want to cancel your trip due to changes in weather or delay your flight because of some emergencies.Now what? You will simply contact your travel insurance company and inform them about your plan changes. They will settle things for you.
Life does not always go as planned. Some unfortunate things happen without informing you. It is better to be prepared with plan b in case plan a does not work out. There are different premium packages available with the travel insurance companies for you. Every little detail is discussed, agreed and signed by both the parties. It is the best backup for you. Visiting in a new land and new people. Anything is possible.
Get your travel insurance no matter for how long or less time you are flying to another place. You’ll always be backing from the insurance company. Some packages also provide benefits for lost luggage or medical services received when abroad.
Things to consider before getting your travel insurance are as followed
1. BUY YOUR INSURANCE EARLIER
It is always a good idea to buy your insurance earlier and not leaving it for the last minute. Buying a form earlier will give you ample time to read all the instructions and policies carefully and then decide what kind of package fits best for you. Different companies provide different packages. The expensive the package is; the more comfortable you will be provided. However, it is not true all the times. Sometimes, companies are costing too much than the actual prices. You should spend extra time contacting different companies and knowing about their package. So your money won’t get wasted and you get the quality thing. Initial buying of the insurance will also allow you to delay your flights because of any emergencies or illness. You wot be getting this opportunity in late insurance. And the second benefit is you will be having a good amount of money in hand to pay insurance expenses.
You May Read: Travel Insurance When Going Abroad
2. LOOK FOR THE BEST INSURANCE POLICY PROVIDER
There are many travel insurance companies in your city. Visit their offices and tell them about your plans. For how many days you will stay and which places you will be visiting. According to it, they will set a reasonable package for you. Or you can even customize your package. But then choose very wisely and stay focused on the policies they have mentioned. Some will provide you with a cheap package with few deals. Maybe you won’t like them much because they don’t seem much entertaining. Then some other travel insurance companies have elite packages. Which provides high-quality services and include every little detail in their packages. Also,some companies sometimes negotiate on their high prices because they do not want to leave their customers. Almost every insurance provider introduce many different types of travel insurance coupons and promos.
3. GET YOUR TRAVEL MEDICAL INSURANCE
Medical is the major reason why people buy packages from travel insurance companies. If you have previous medical records, then there is mandatory to buy travel medical insurance. There is a primary package for travellers who have a major or minor illness. It includes recent surgery or operation, blood pressure, asthma or any heart problems.
You must not hide your medical issues to get rid of the insurance fee. If on a trip you need help with the extra charges from the insurance company, they might ask you for your medical checkup report. And you’ll be caught. They can abrogate your insurance in the first place.Then there is a secondary package for the medicals that can happen while on a trip. Any car accident happens and you break your leg. Surely you do not have enough money on travelling. The travel insurance will clear your bills from your insured money. Some countries won’t even allow you their visa without your medical insurance.
4. TRIP CANCELLATION INSURANCE / TRIP DELAYED
There are possibilities where you want to cancel your trip or delay it for some reasons. You will immediately contact the insurance company and inform them about the sudden changes you made. In any case, if your flight gets cancelled, some companies return 70%-80% of your cash. Whereas, some do not even return a penny. In other situations, when your flight is delayed it is again informed to the company so they set back their schedules.
You May Read: Future of Insurance Sector in India
I would suggest you reconsider your cancellation insurance. If you have any airline ticket that can be refunded and hotel booking that can be delayed without heavy charges and also you are not making any non-refundable purchase. Then there is no need to buy cancellation insurance.
5. FILE ANY THEFT REPORT IMMEDIATELY
Sometimes the situation gets worse. You lost your wallet.Or your bag is stolen that carried an expensive camera or mobile phone. Immediately go to the nearest police station and file a report of your stolen and lost items.No company will believe just your words you need to show them a filed report of your stolen items. Though is preferable to avoid taking your expensive gadgets and gold jewellery while on travel. But if you still want to take them along with you. There are heavy insurance fees for them. On the assumption, the jewels get stolen you will file your report to the nearest police station. Still, if you don’t get them back, submit a copy of your report to the insurance company. They will cover the loss as per their policy.
6. COVERING PLANNED ACTIVITIES
Families usually travel in the vacation period. Their budget already gets very tight that they prefer buying a standard package. Which is not very costly and also includes the very major insurances. However, such packages do not include insurance for activities like scuba diving, skiing, bungee jumping or horse riding. Because they are very risky and involves an extra fee. Be sure their packages are including all these planned activities. Many insurance companies are not charging very much for these activities but also do not include them if you did not mention. Be clear about all the things you want them to add in your package. Some activities are not free at all anywhere, such as boating.
You May Read: Tips to Save Money on Insurance Premiums
7. TIMING MATTERS
I would like to mention again, to make your insurances earlier. More time you will have, more you can choose better. At the last minute, everything would be panicking and you probably will leave something which should be very important. Managing things on time is the basic key to get things done precisely. It’s your job to read the insurance form completely and choose what’s best for you. If you skip something in hurry, you will regret it later.
It is better to read it completely and avail all the sincere opportunities. It is mentioned in their policy if any expected thing happens, then there is no cashback and compensation. For example, heavy rains are expected to fall. And it rains the day you are leaving, your flights are delayed. Your company will you no insurance for it. related to your health any operation, any of such expected things happen after your insurance during your flight. The travel insurance company will not take any responsibility. It is recommended not to book your flights when extreme weather changes are expected to happen. You might face the flight delays and also extra charges for the hotel’s further days booking.