Read the definitions properly. Know what the various words like family, accident burglary etc mean in the insurance context.
Understand what you are covered for. Apart from the scope of coverage also go through the conditions specified for the coverage. In fact, ‘Terms and Conditions’ is one of the most important sections of the policy wording.
Give equal importance to Exclusions as to Coverage.
Usually, certain Special Conditions are allowed in the travel policies. Find out if your policy offers any and what are they.
All travel insurance policies carry a ‘Deductible’, usually of $100. Deductible is the amount you need to pay from your own pocket. The insurer would pay any amount more than that.
Know about the documents you need to submit in case of claims. There are different documents required for different kinds of claims. E.g. documents required for a baggage loss would differ from documents required for burglary.
Read the fine print carefully. Understand what you are covered for and what not.
Also be aware of the ‘conditions’ specified for filing of claims.
Always carry your policy wording along with the policy itself. It is as important. As far as possible, have them online so that you can access them anytime, anywhere!
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