Things to Keep in Mind When Buying Travel Insurance Policy

When it comes to purchasing a travel insurance policy, surely you must have heard about the benefits. Therefore, it comes as a surprise that a large number of people overlook the chances of getting into an emergency situation at the time of planning their holiday. As a result, often they end up spending a lot of their hard earned money when an emergency strikes.

A travel insurance policy is meant to ensure protection to the tourist against a myriad of factors that may otherwise ruin even well-planned trips. So, how do you find the best travel insurance plan? Here are some tips that may come in handy:

Nowadays it is extremely easy to buy a travel insurance online in India. In fact the entire process of travel insurance buying online in India is not just quick and easy, but also does not need you to submit paperwork and can be done in four easy steps.

You can visit HDFC ERGO website and check out different travel insurance plans for individual, family, students and frequent flyer.

Steps to Check Travel Insurance Premium on HDFC ERGO Website

Step 1 - Add trip detail, you want to insure

Step 2 - Add your travel information

Step 3 - Fill your personal details

Step 4 - Choose your travel insurance plan

Importance of Travel Insurance while Travelling Abroad

Here’s why it is important to buy international travel insurance while flying abroad:

1. Medical Emergency

There are numerous reasons a traveller can get sick or ill while travelling. It can be due to late-night flights, changing time zones, air conditioning, change in temperature and different cuisines. Also, while the country you are visiting might require you to vaccinate for particular diseases beforehand, you cannot rule out falling seriously ill on your travels, which might require hospitalization. Hence, before flying, be sure to have a travel insurance policy.

2. Your Baggage is Delayed or Lost

Luggage getting misplaced is quite common nowadays while travelling. Travel insurances provide coverage for delayed bags where you get reimbursement on expenses for buying essential items. Even if your baggage is lost, the insurance will provide reimbursement for the stuff you’ve lost.

3. Your Passport is Lost

Losing your passport and other essential documents abroad can be a nightmare. But with travel insurance, the insurance company will help you obtain a new passport and other necessary documents while reimbursing the cost of a new passport.

4. Flight Delays

If you encounter a flight delay, an insurer will provide the insured with reimbursement on expenses for meals and refreshments.

Important Tips for Buying Travel Insurance

• Replacement Charges:

If you’re on medications, it makes sense to enquire with your travel insurance service provider if your intended travel insurance policy covers the replacement expenses or not.

• Riders:

Remember! Most travel insurance plans do not cover costly articles, such as jewellery, electronic items, laptops etc. In such cases, travel insurance riders come to your rescue. So, it makes sense to enquire about riders to ensure adequate coverage for the costly items you plan to carry.

• Adventurous Activities:

In case your tour itinerary involves adventure activities, such as paragliding or bungee jumping, check with your insurer if your intended travel plan covers these activities. Now that you are aware of these amazing travel insurance tips, it is time to take the action, compare travel plans and find the one that fits your requirements and budget, and fulfils all your needs. Do not just buy a policy that your travel agent recommends. Do your bit of research, invest time in comparing different plans and calculate the premiums using an online premium calculator. HDFC ERGO recommends that you do not just go buy a policy that offers the lowest premium as it may not provide you with enough coverage, leaving you helpless at the time of an emergency in an unknown destination.

Conclusion

If you are flying abroad in nearby future alone or with your family, be sure to secure your journey with an international travel insurance policy. With monkeypox virus cases rising globally and coronavirus pandemic still not being declared as over, it is wise to fly with an international travel insurance policy. With HDFC ERGO travel insurance policy you get wide network of one lakh plus cashless hospitals worldwide.

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