Travel Insurance Online

Buy Travel Insurance Online

If one is travelling overseas, then it is a must to have international travel insurance to make the trip memorable and secure. In a digitally-connected world buying travel insurance online is now easy. Travel insurance safeguards the tourist against all medical expenses and cashless hospitalisation even during international travel. Here is a list of things that one should keep in mind while buying travel insurance online.
Here is a list of things that one should keep in mind while buying travel insurance online.

Compare the rates:

One should always remember that buying international travel insurance online is cheaper than buying the same cover offline. Hence, buying travel insurance online requires some basic search. To begin with, one must compare the rates while buying travel insurance online. A number of aggregator sites and service providers offer this facility. This is because while buying travel insurance online one often cuts on the commission that an advisor would make.
Also, while researching on an aggregator website it is important to read the updated information. A trusted travel portal can help with all the relevant updated information on buying international travel insurance online.

The premium:

It is important to understand if the cover is for the entire family or a single person. One must seek information about whether the insurance plan offers cashless hospitalisation for surgeries or critical injuries. A premium is often higher for insurance that covers almost all kinds of health issues and problems.

Read plan reviews:

The online space interestingly takes user feedback very seriously. Hence, reviews should be an important part of the search and research. User reviews on a trusted website is a reliable piece of information and a tool against frauds. Reviews also give a fair idea of some of the pros and cons of the travel insurance plan available online. Reviews from well-known established users should be taken seriously. Reviewers often give their own ratings to each plan. Hence, one must believe the ratings and choose insurance plans accordingly. Insurance plan with a higher rating can be the best travel insurance plan.

Some of the other traits of a successful plan that one should look at are the claims ration, attention towards complaints and time to respond.

Benefits of Travel Insurance

Other than getting a cheaper rate for the insurance plan, there are some direct benefits when one buys travel insurance online in India.

Post-sales service:

An insurance company selling travel insurance online has a robust renewal or post-sales service available online. The insurer is bound to offer the post-sales service 24X7. This makes it easier and customer-centric. While the proposer can solve the query offline by calling the customer care, the online mechanism is faster and efficient.

Receive the document on mail:

When one buys travel insurance online, he/she receives the agreement documents on mail. This makes it easier for a traveller to produce it whenever required. However, this doesn’t mean that one cannot have the document offline. One can always ask the insurer to send the document to his/her address and may carry the same during travel as proof.

While there are benefits, buying travel insurance online have some limitations too. For example, a number of service providers have not put all their travel insurance plans online. Moreover, a tweak in the elements of the policy to increase the coverage and categories may not be possible. This may prove to be a dampener at times. So, it is advisable to look at offline plans too to draw a comparison.

A number of insurers offer customisable plans to each individual. One must look for the most common problems and health issues before choosing the plan. Consulting friends and relatives if need be, is a good strategy.

The absence of a middleman or an advisor selling the insurance plan may be a challenge if there is no smooth complaints mechanism. This means in case of any mishap one will need to make the call to the insurer on his/her own and register the complaint. It is for this reason insurance providers offer both offline and online services with a varying degree of success in the country.

While both facilities have their benefits and disadvantages, buying online overseas travel insurance is much more convenient, easier and safe.

Insurance is a subject matter of solicitation along with terms and conditions of the policy purchased. The information provided in this website cannot substitute for the advice of a licensed professional and is strictly for informational purposes. Our goal is to keep this information timely and accurate. If brought to our attention, we will rectify any errors.

The information provided by us is:
• of a general and informative in nature and does not intended to address the specific circumstances of any individual or entity
• not necessarily comprehensive, complete, accurate or up to date; not professional or legal