Top tips to BUYING THE RIGHT TRAVEL INSURANCE?

Travel insurance is the technically the most ignored thing which people forget to plan while doing their vacation planning.But we should not forget that medical emergencies, thefts, accidents and legal threats on foreign and domestic trips are enough wreck one's personal finances. So it always makes sense to look for a travel insurance policy which cover all unforeseen events and not just limited to loss of passport.baggage,delay,trip cancellation and personal accident.

Picking up the right travel insurance plan with all available options is always a daunting task to do. Here are some common factors which one considers for buy travel insurance online India which fits well with one’s vacation plan:

a) Do you travel frequently : Travel insurance plans comes with two different variants depending on your travel habits. Single trip plans are meant for people who are looking for just going for one vacation whereas on the other hand multi trip option is also available for frequent business travellers. There are even different plans for students and senior citizen.The premium of your travel insurance plan vary as per the case in consideration.

b) Length of the stay: Travel insurance premium also with the days of stay during the period of travel.Higher number of stays means higher premium and vice versa.

c) State of current health: if you look at a standard travel insurance plan, the primary focus is always around handling medical emergency during the period of travel. A proper health status is also considered by most countries before issuing visa.Any travel plan that you intend to buy should be able to help you handle medical emergency and should also consider the cover for pre-existing ailments.In case the health status is weak the premium for travel insurance would also be high. Infact bad health can one of the reason based upon your policy application can also get rejected.

d) Destination of travel : Another important factor while considering a travel plan is the location you are planning to travel.In certain countries in the world travel insurance is a mandatory thing.The premium of your travel insurance would depend on the risk associated with travelling to a particular location. The risk can be related to higher cost of medical services in certain parts of the world. Like medical cost is much higher in the European regions compared to south asian countries.

e) Itinerary of travel : Renew Individual Travel Insurance Plans if travelling involves things like trekking, mountain climbing and other adventure activities which involves an higher risk then it is always advised to have an extra cover for this and get it included in your travel insurance plan’s overall coverage.

We should know that travel insurance should not be taken just for the sake of taking it because it is mandatory for certain locations. It can have long standing repercussions if not planned well so it necessary to buy the right plan.

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