Everything You Need to Know Before Buying Travel Insurance Online

From passport to sunscreens, you keep everything handy for your trip so that you do not face any issues. But you may not overthink about buying travel insurance online before leaving for a holiday. It is because you might feel nothing will happen as you take utmost care to control all situations. However, what you may fail to consider are the unforeseen events like medical emergency, theft, loss of baggage or any other sudden incident that can ruin your entire trip and disrupt finances. To stay on the safe side, it is best to buy travel insurance online instead of falling prey to such situations and losing your financial independence.

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While buying travel insurance online, you must consider multiple factors to get the best possiblecoverage.Let’s look at some of these things.

• Nature of Your Trip

If you plan to visit anoverseasdestination, you can choose a single trip travel insurance online. It is advisable to opt for an annual travel insurance planif you are a frequent flyer. Also, there are unique travel insurance plans for senior citizens and students as well. The premium of your policy will be calculated on the type of policy you choose. 

• Trip duration

The premium for your travel insurance online depends on the number of days you wish to spend in a destination. For instance, thetravel insurance premium for a three-week trip is more than the premium for a trip of one week.

• Medical history

If you have a medical history in terms of a criticalillness or if you consume alcohol or smoke regularly, the premium for travel insurance goes up. A pre-existing ailment is mostly not covered under a regular travel insurance policy provided you buy an add-on for the same. Generally, the policy for older people attracts a higher premium.

• Destination

If the place you are planning to visit is known to be a high-risk zone or is famous for adventure activities, the premium of your policy goes up as you are perceived to be in a high-risk area.

• Exclusions

Before buying travel insurance online, you must know about all the inclusions and exclusions carefully. If you are planning to includeadventure sportson your trip, carefully lookout for specific clauses, your policy has for adventure activities.  Generally, adventure sports like bungee jumping and sky-divingare not included in the coverage.

• Cancellation coverage

Some travel insurance policies provide coverage if you cancel trip abruptly due to specific reasons likemedical emergency in the close family, sickness of yourtravelling partner, asked to return by legal authorities and similar others. You can confirm cancellation coverage while buying travel insurance online by reading the documents thoroughly.

• Check for Feedback Online

You must check online reviewsof your insurer before buying travel insurance online. Visit mediums where customers have posted feedback about the travel insurance policies they are currently using or have used in the past. It gives a fair idea about the insurance policy and its provider. Ask your family and friends about the plan they already havefor travelling or if they have any recommendations.

Make a Wise Decision

No matter where we may be, the threat of the unknown always looms over our heads. Travelling is something which is best enjoyed when you are stress-free. Travel insurance helps achieve you the same. You can buy itonline conveniently and ensure your complete safety.

Besides, it ideal to choose a reputable insurer like TATA AIG that provides comprehensive travel insurance online with 24×7 customer support assistance. They offer benefits like baggage loss/delay, trip delay, bounced hotel bookings/flight, personal liability cover, and medical evacuation.

You can assess your travelling needs and add riders if required for optimal protection against any contingency.​