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Tips for buying Travel Insurance
Travel Insurance

1. Since the premium on a travel insurance policy increases with the duration of stay, take the policy only for the travel period. Buy cover for the minimal travel duration planned, and keep covering it along your journey.

2. Make sure you have the international helpline number for your travel insurance company, along with a copy of your policy, with you all the time.

3. Always consider medical coverage when travelling to another country.

4. If you are getting a policy for your family, make sure all members are included, as some policies have limit on the number of people.

5. Always tell your insurer of any pre-existing medical conditions that you have, or you may not be covered by the policy.
6. Always read the fine print of your medical coverage. Be sure it covers repatriation to your home country.

7. Always check whether the insurance requires you to pay for medical bills directly and then reimburse you, or insurance company will deal directly.

8. Your insurer needs to know if you will be driving abroad, so to give you the most adequate policy.

9. Never buy duplicate coverage as it does not double your benefit.

10. Before re-arranging flights in case you need to cut a trip short, always get your insurer's approval.

11. Purchase joint cover if you are travelling as a family, as it will be cheaper.

12. Understand the different policies for different travellers like a single-trip, worldwide, backpacker and annual.

13. When you decide to buy a policy, make sure you know what it doesn't cover.

14. Furthermore, you should check insurance coverage of your credit card. Your credit card might allow for some coverage if you purchase your airline ticket with it.

15. Make sure you know the reimbursement amount. Furthermore, check if all expensive items, you plan to take with you are covered.

16. Use the Internet to help you find a good deal on a policy, generally buying online is always cheaper.

17. Check prices, compare coverage and get the best quote.

18. Always buy policy from a travel insurance company.

19. Check to see if cancellation due to terrorist acts is covered.

20. Read carefully small print on your policy.

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*This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for an individual health policy with the sum insured of Rs. 5 lakhs.
**This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for a term plan, with the sum insured of Rs. 30 lakhs, and the premium paying term of 30 years.
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