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Travel insurance is one of the most important aspects through which you can ensure a safe and secure journey. Travelling gives us many reasons to be excited about it. Yet, there are some risks involved that you couldn't even think of ignoring. A travel insurance policy keeps you financially stable during times of medical and non-medical emergencies that could occur anytime when you are traveling. The policy covers the costs of trip cancellations, medical emergencies, baggage loss, or travel delays.
Factors to Consider when Buying Online Travel Insurance
Based on the nature of the trip, you must pick a travel plan that meets your travel requirements in the best possible way. Consideration of these factors, as specified below, will help you make the right decision when buying online travel policies.
Frequency of your travel: Your decision to buy an online travel insurance should depend on how frequently you travel. If you are a frequent flyer, an annual multi-trip policy will work best for you, or you can opt for a single trip policy for short journeys.
Duration of your travel: Your premium is likely to be higher if you are planning to stay longer in an overseas location, so you must choose a policy that best suits your requirements.
Sub-limits: Some insurance policies offer partial coverage for specific conditions. Make sure that you are aware of your needs and know the defined limits of the aspects under which you can make a claim.
Exclusions: Travel plans cover a wide range of medical and non-medical expenses. However, it is crucial for a buyer to always check for the exclusions to know the conditions under which he or she cannot make a claim. It avoids unclear assumptions regarding the policy, and hence understanding exclusions are necessary.
Claims procedures: Consider finding information about the detailed process of intimation of the claim as different companies have different strategies for claim and settlements. Sometimes insurers may have tie-ups with local insurance providers.
Travel Insurance Eligibility Criteria
Before buying an online travel insurance policy, it is essential to know about the defined clauses in travel policies to understand whether you are eligible to purchase a policy or not.
Minimum Age: For both single trip and multi-trip policy, the minimum age of entry for the insured person is one day.
Maximum age: To avail of our insurance plan overseas travel insurance policy, 70 years is the maximum age set for multi-trip. There is no age limit for getting single trip travel insurance.
Policy renewal: There is no age limit for renewal of single trip insurance plans, whereas the limit is up to 70 years in the case of multi-trip insurance.
Policy Tenure: Single trip policies are valid for a period of 365 days, whereas policy tenure for multi-trip travel insurance policies is up to 60 days.
Premiums: Premiums are based on various factors such as age, the sum insurance, your trip validity, and destination.
To make it easier for you to understand, our team of potential and subject matter experts is always ready to help you with the solutions for your policy related queries. So, whenever you seek help, feel free to reach us. We would be happy to help you.