3 ways to choose the perfect travel insurance policy

3 ways to choose the perfect travel insurance policy

How do you choose the perfect travel insurance policy? Will comparing prices between different sites be sufficient? To know more read on.


An avid traveler has many needs; good hotels, best deals on air tickets and a comprehensive travel guide. Travel insurance is another item that should feature in that list. It is no longer a luxury, but a necessity. You may hope that you do not need this all-purpose emergency coverage; but it may prove to be extremely useful at the most unexpected times. You break your leg while hiking, or fall off the boat spraining your neck badly or get bitten by a dangerous insect. These unexpected turn of events can ruin your otherwise peaceful holiday. Even though they are not predictable, they may happen, and it is better to be prepared. But how do you choose the perfect travel insurance policy? Will comparing prices between different sites be sufficient? To know more read on...

How do you choose the perfect travel insurance policy? Will comparing prices between different sites be sufficient? To know more read on...

Know what the plan should include

When you think of a travel insurance plan, you should always read the fine prints and check the things that are covered by the plan. To begin with, this policy should be applicable in all the countries. The plan should take care of sudden illnesses and injuries. The insurance provider must be available for twenty-four hours because emergency comes in surprise packages. If the service provider is not prompt, it is meaningless to get a policy from them. The policy should include provisions for stolen, lost and damaged possessions like documents, cameras, jewelries and most importantly bags. In case there is a death in the family or a sudden illness, the insurance provider must pay for the cancellation of flights and hotel bookings. If you are visiting a sensitive country (like a conflict zone) and there is a sudden war, your insurance provider must provide for the emergency expenses so that you reach home safely.

This policy should be applicable in all the countries. The plan should take care of sudden illnesses and injuries.

Understanding the needs of the traveller

Different travellers have different requirements. All-comprehensive coverage is an umbrella term which is used to fit in all the requirements of the traveller. But there are criteria which determine the eligibility for such policies. Certain factors like age, the value of the baggage, the frequency of travel, the type of travel you are interested in, and whether there are any risks involved in your travel are considered. In fact, there will be limitations and exclusions based on your requirements and wants. For example if you are a snowboarder or a skier, you might need some additional coverage. If you make three to four trips in a year, it is always best to opt for a multi-trip cover. It is better not to shop for separate policies and opt for a comprehensive policy.

If you make three to four trips in a year, it is always best to opt for a multi-trip cover.

Choosing the insurance policy depending on activities

If your idea of activity during a vacation includes sunbathing on the sand or a dip in the pool, you can have a policy which covers the basics. But if you are looking for some adrenalin rush like bungee jumping or paragliding, it is best to choose a policy which covers it all. Activities like skiing and horse riding are considered as higher-risk activities and the traveller will be required to pay extra for their insurance policy. Want to know more about different policies? DoorstepForex.com provides competitive travel insurance plans for your needs.

It is always better to go for a price comparison between different policies before choosing a particular coverage. This will enable you to understand the different kinds of policies that are available and how you can benefit from them.

 
Source:
Travel insurance wiki
Benefits of travel insurance
Advantages of travel insurance
 

06 Apr, 2016
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