Choose the Correct Travel Insurance Policy and Avoid

Hefty Bills Abroad

Travel insurance is insurance that safeguards your expenses due to problems such as medical

emergencies, loss of baggage, trip delay etc. which can occur during your travel. Now days the

awareness among the travelers regarding the importance of travel insurance has increased. The

frequency of travel accidents and difficulties in news has increased in the past few years. Every

traveler now owns travel insurance in order to safeguard himself in case any mishap or

unexpected conditions arise. After all no one wants to risk or upset their much needed and most-

waited holiday.

It is not only necessary to buy a travel insurance policy before embarking on a foreign trip but

also choosing the correct travel insurance policy is equally important. Below are few points that

should be considered before choosing the travel insurance policy.

Check whether your travel insurance policy covers all the actions that you have planned

to perform on your trip: not all policies cover all activities. Thus it is important to make a

list of the activities like scuba diving, bungee jumping, skiing etc. that you are planning

to undertake during your journey and then see if all those activities are covered in your

policy. If not then definitely that policy does not suit you and you should look for other

options.

Your travel insurance should include enough medical, liability coverage as well as legal

costs- if you get stuck up during your journey and need to immediately return back to

home country or due to some reasons need to get hospitalized or in case you need an

emergency evacuation then the costs of all these should be included in your policy cover.

If it is not included then you might have to spend a fortune from your pockets as medical

and other expenses are expensive in foreign countries.

Shop around- shop around well for the available options of companies and the policies.

There are so many options available in the insurance market. It also includes frauds. So it

is advised to shop around well and select the travel insurance companies and insurance

policies carefully.

Research and compare- research the available options of policies and select the ones that

suit you. Compare the shortlisted policies for premium and the coverage etc. this will

help you to choose wisely among the policies that you have shortlisted.

Make a note of emergency numbers and amounts- often when one buys a travel insurance

policy, he / she is provided with the emergency numbers on which one can be in touch

with the insurance company for guidance. Also procedures to obtain emergency amount

from anywhere in the world is explained. Also the help line number is the one on which

you can contact in times of emergencies and it is available 24*7.

Know and understand your contract- before signing the contract of the travel insurance

policy one must be sure that he knows all the terms and conditions as well as

satisfactorily understands the limitations, covers and benefits provided by the policy.