What To Look For In A Travel Insurance Plan India To Enjoy Stress Free Vacation?

In today’s busy life vacations are no more a common phenomenon. Families generally able to execute travel plan only after planning for at least 2 years before real travelling actually starts.With the cost of everything going up day by day lead an increase in planning period further. What if after all this planning you are forced to cancel it a day before the vacation starts or you fall in a situation which lead to urgent break in the vacation.

Compare travel insurance plans online India for getting best plans for our dress free vacation Say the story of Varun and his family, when their long planned holiday to United States same to a halt because his faced a major heart attack. The money that Varun was forced to shed was much heavy than what he would have spent in India. This is a common situation which is faced by people while travelling. In a scenario like this other than the financial emergency the mental stress is also awful. The ideal way to handle scenarios like this is to buy a travel insurance plan while buying for other things in the itinerary. Though most travellers ignore buying a travel insurance plan because the cost of premium is very low compared to the overall cost but the situations which Varun faced can lead to a right realisation of value behind travel insurance.

Renew Individual Travel Insurance Plans is also a good idea, A travel insurance plan generally cover a traveler for fifteen plus financial emergency cases which a he/she might face. In fact to have a stress free vacation somehow either of the emergency scenarios can actually arise at certain point of time where the travel insurance plan can be quite helpful. Below are few things that one should look in a travel insurance plan so that you stress free vacation:

a. What is medical sum assured under the travel insurance plan. You should always look at sub limits under every expense under the medical sum assured and should look in detail whether those limits are enough you to handle a medical emergency. One should keep in mind the cost of medical treatments outside India is very heavy. Another important that you keep in mind that most the travel insurance plans don’t cover pre-existing ailments and this should also be considered as a factor while taking into consideration the medical sum assured under a travel plan.

b. How issues like theft of passport and baggage is considered under travel insurance. Situation arising out of these scenarios cannot bring a lot of unwanted financial loss but also can put your travel plan into complete halt.

c. In case of medical sum assured most Indian travel insurance provider rely on foreign partners to cater to their policyholders. So it is very necessary to understand where you are travelling because not all partners are prominent in all geographies.

d. Fourth most important factor is the claim ratio of the insurer which would insure that how effective one’s claim would be settled once raised.