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Buy Travel Insurance Online with the Help of These Reliable Tips

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Published on May 17, 2021. EST READ TIME: 3 minutes

Except for the most seasoned travelers,it is a well-kept secret that buying travel insurance beats any other option. The reason for this is that if something goes wrong, you are not personally liable for it. So, how do you buy travel insurance online? There are many different routes, some of which are easier to follow than others. An apt one for you will be determined by what you need to be covered for. Let’s check it out in detail:

4 Things to Keep in Mind When Purchasing Travel Insurance Online

• Search for a Trust-Worthy Insurance Provider

  Online travel insurance can be purchased in various ways, including directly from companies, through third-party websites, as part of a bundled package, and by contacting an agent directly. You must always purchase your  travel insurance online directly from the insurance provider’s website. 

  This is because not only will you be able to receive accurate quotes based on your personal information, but you also will be able to see what other consumers have said about their experiences with the specific insurer. Doing so will enable you to weigh your options and come to the most informed decision possible.

• Check the Inclusions

  Some policies offer coverage for travelling companions such as a pet or a sick family member. Other insurers only cover travelling companions and exclude personal belongings. To be completely certain that you're buying the right kind of policy, consult with several different agents and review the fine print. 

  For instance, some policies may cover your pet's medical expenses while travelling, but not your personal belongings. Other types of insurance will not cover personal belongings at all, while others will only cover a fraction of what you spent when travelling, leaving you out of luck if your luggage is lost or stolen.

   

• Be Sure of the Assistance Offered by the Company

  When you want to know how the process goes, it is believed that you must talk with the insurance company directly. While this is certainly useful, it is also important to note that you have plenty of options available to you. For example, some insurance providers offer telephone support when you purchase travel insurance online. 

  They may even have toll-free numbers where you can speak with an experienced insurance consultant. This can come in handy if you need answers to questions about your policy or assistance in applying for coverage. Just be aware that depending on the type of insurance you choose, you may have to pay for this assistance.

• Check for the Pricing & Discounts Offered

  When purchasing travel insurance, you should also consider comparing the prices. Comparing the different providers you with an idea of the average cost of a policy. The best thing to do is visit a website that compares different insurance policies for a quick overview. 

  Then, you can directly visit the insurance provider’s website and use the premium calculator to get quotes. The website will also give you an idea on the available discounts.

  How Much Does an Online Travel Insurance (TI) Cost?

  While most policies are very similar, some factors will affect how much online travel insurance costs.

  • The first factor is how much you want to cover yourself in the case of an emergency.
  • The next factor that will affect is how much you are willing to pay for coverage each month. 
    

Most policies will cost 4% to 8% of the cost of the total trip. If you opt for travel insurance separately, then the cost may vary according to the coverage you have included, such as medical-related, baggage-related, and journey-related coverage, etc.

While thinking to opt for  online TI, you should seek better protection to avail the best insurance policies possible. Your goal should be to buy as much coverage as you can afford to ensure that you are covered if something goes wrong during your trip.

The Final Say

The process of application for travel insurance online is quite easy. You simply have to visit the insurance provider’s website, choose the policy after thorough research on inclusions/exclusions/premium, and click on apply. You will be prompted to a form, which you will have to fill and then click on submit. Make sure to keep the above factors in mind before selecting an online policy and also calculate the premium using the premium calculator.

Disclaimer:  The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.