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Insurance Article

Key points to consider when selecting travel insurance company for your foreign trip

February 09 2013

providers now offer overseas travel insurance. Choosing from this abundance of options can be quite daunting and you may end up purchasing one which does not fulfill all your needs and requirements. To make the process of policy selection easier, firstly you need to know the number of days you wish to spend abroad. Next is the budget, which is an extremely crucial factor as it can affect your total travel costs. Going online to look for quotes is extremely time-saving and you can select your policy at your own convenience. Once you have narrowed down on several prospective travel insurance companies in India, keep the following points in mind and fly overseas with the perfect travel plan:

Easy policy issuance: Given our hectic lifestyle, securing a travel insurance policy quickly becomes extremely important. It would be helpful if you can get access to an online travel insurance provider so that you need not meet with an insurance agent to buy your policy. Not only that, a good travel insurance company would be one with quick policy issuance, preferably without the need of any prior medical checkup.

Types of plans offered: As the needs of one traveller differ from another, so should the insurance plans. Some insurance providers offer different plans for single return trips, frequent fliers, senior citizens, corporate travellers, etc. Such plans are designed to meet the specific requirements of different fliers and offer adequate coverage for several possible risks.

Extent of coverage: It is important to check the coverage offered by different travel insurance companies in India when selecting your insurance plan. Typically a travel insurance plan offers coverage for expenses against medical and financial emergencies. It then becomes important to see what all medical and financial contingencies are covered by the selected insurance plan.

Ease of renewal: For travel insurance policies requiring renewal, it is very crucial to check the feasibility of the renewal structure. Look for online renewal options as this feature is extremely time-saving and reduces all the work to just a few clicks.

Trip extension: At times, your overseas trip may get extended due to several reasons. It then becomes important for the insured traveller to extend his insurance cover. You need to look for a travel insurance company which offers hassle-free extension without costing you too dearly. ICICI Lombard travel insurance, for example, has a pay per day charge (after the slab based rate for the initial 7 days). So if you extend your trip, you may only pay for the additional number of days and end up saving a considerable amount on extra expenditure.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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