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  • How To Choose A Travel Insurance Policy

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    Whether you’re travelling within the country or overseas, never underestimate the importance which a travel insurance policy holds. While you’re at home, your life or medical insurance policy will cover you against a variety, perils and risks. However, only some life and medical insurance policies extend cover to individuals travelling internationally. So, if you are planning a trip any time soon, make sure to include the cost of travel insurance instead of just keeping it as an afterthought.

    Before purchasing any type of insurance, it is necessary for one to assess their needs and requirements before setting out to shortlist insurance policies. There are various factors, other than budget and coverage provided, which distinguish one policy from the other. What might be suitable for one individual might not be suitable for a family planning to take a trip or vacation. Hence, one must invest time in making an informed decision regarding which policy best addresses their needs.

    To help you in your search, here is a brief guide, which will assist you in choosing the right travel insurance policy for your next trip.

    Check with Your Existing Insurance Provider

    Once you have booked your trip, the immediate next step should be to look for a suitable travel insurance policy to cover you. It would be wise to start by enquiring with your existing insurance provider. Some insurance companies / banks provide their customers with travel insurance free of charge along with an existing policy.

    Duration of Policy

    Depending on your travel plans, you may opt for a single trip or a multi trip policy. A single trip policy will only cover you on a single trip, which could be a yearly vacation. A multi-trip policy, on the other hand is more suited for travelers who make frequent trips in a single year. The benefit of taking a multi-trip policy is that not only does it save you the hassle of having to take a separate policy for each time you travel, it also helps save money. In case of either of the policies, do check how many days of coverage is provided. While selecting a travel insurance policy, keep in mind the possibility of having to extend your trip. Considering that, choose a policy with a duration which slightly exceeds the duration of your trip itself. You could, alternately, also opt for a policy which features policy extension, in case your trip is extended and you need additional cover for a brief duration.

    Destination Cover

    Though it might sound quite obvious, but do check whether the policy you’re about to choose covers the destination you’re planning to travel to or not. This is because, different policies have different terms and policies may have global coverage or specific geographical coverage. In case of a global policy, do check the clauses for further details and sub limits. Also, premiums may differ depending on where you are travelling. In case of travel to slightly higher risk countries, the premiums may be higher, along with stricter restrictions. Compare this feature between the policies you are short listing.  

    Type of Policy – Family / Couple / Individual

    It is cheaper to buy a travel insurance policy for a couple or a family, rather than taking one of each individual. Choose a policy which provides cover for all family members including children.

    Medical Cover

    Given the rising costs of medical care the world over, especially the U.S and Europe,  medical cover forms the most important part of any travel insurance policy. A medical emergency could strike regardless of where you are, whether you are resting in your hotel or relaxing at the beach. A competent travel insurance policy will have your back financially in case a sudden medical expense arises while you are travelling overseas. Before you zero-in on a policy, read the details of the clauses included under the medical cover section. Also, do declare if you are suffering from any pre-existing medical condition and whether it is or isn’t covered under the medial cover of the policy you’re taking. In most cases, pre-existing medical conditions aren’t entertained during claim settlement so it is best to declare them before taking the policy.

    Luggage / Personal Belonging Cover

    What do you do when you have arrived at your destination, but your luggage hasn’t? This isn’t an entirely unlikely occurrence and thousands of travelers all over the world experience this rather frustrating situation. Keeping that in mind, a travel insurance policy should cover you for loss of luggage. Now, different policies follow different terms for loss of luggage. Some policies will entertain claims only for total loss of luggage or might not include hand luggage in the said clause.

    Cover For Valuables

    Cover for valuables like your passport, wallet, and jewelry while travelling is another important feature of a travel insurance policy. Occurrences like theft and misplacement of valuables aren’t uncommon and can leave one stranded helplessly, especially in a new country. Do find out if your insurance policy will cover you or assist you financially and otherwise in case you have to get a new or duplicate passport, are in need of cash in an emergency following the loss of your wallet or will reimburse you for the a jewelry theft that has taken place while you were travelling.

    Cover For Electronics

    Most basic travel insurance policies will not include electronic valuables like mobile phones, laptops, cameras in the cover. Read the policy carefully and ask the concerned person about whether or not such items will be covered for in the event of their loss.

    Missed Flight Cover

    More often than not, a travel insurance policy will not cover you for a missed flight. If you didn’t leave in time to catch your flight is no reason for the insurer to reimburse you for the cost of the said air ticket. If you have to evacuate the country you’re holidaying in because of political threat or any other reason included in your cover, you are more than likely to be reimbursed for the cost of travel. Travel insurance policies are mainly designed to shield you from events which you couldn’t have reasonably avoided or protected yourself from.

    Claim Limit

    Every travel insurance policy will have specific limits for every cover provided. This means that in the events like a medical emergency, loss of passport, wallet, electronics, , your policy will only cover you (for each claim) up to a specified limit allotted for that particular claim. So, for instance, your policy specifies a lost baggage cover up to USD 1000. But the lost baggage (content included) exceeds USD 1000 in value. In this case, the insurer is only liable to pay you USD 1000, as specified in the policy. Covers like medical cover, checked-in baggage cover, loss of wallet / passport cover to carry a limit, up to which compensation or re-imbursement will be provided.

    Holiday / Trip Activities

    A holiday or vacation means you won’t be sitting in your hotel room throughout the trip. You will be engaging in activities, depending on the specialty or attraction of the place you’re visiting. A travel insurance policy will, as a standard, cover a range of activities. Say, for instance, you suffer an injury while riding around town on a bike or fracture a limb while playing volleyball on the beach, your policy is very likely to cover you for the medical expense. However, do check the fine print of the policy before buying to ensure that your policy covers the activities you have planned for your trip.

    Cancellation Cover

    A cancelled trip or a holiday cut short because of some emergency can be one of the most frustrating and disappointing occurrences. What is more stinging is the financial loss, with the purchase of the air tickets, accommodation, sightseeing and other activities that you have pre-planned and in many cases pre-paid. Cancellation cover can come in very handy in such cases. Depending on the cost of your overall trip, you can choose the policy providing the adequate trip cancellation cover. An ideal cancellation cover should cover you for the cost of the prepaid expenses, but also for the cost of your return tickets back home.

    Emergency Assistance Services

    In times of an emergency, medical or otherwise, trusted help can make a world of a difference. Ay, you’ve lost your passport and need help getting a new or duplicate one issued or one of your accompanying family member has fallen gravely ill on the trip. Who do you call? In such cases, your travel insurer may be your best bet for help.  Keep in mind, emergency assistance can be of great help while travelling overseas. Considering that, it is advisable to choose a policy which provides emergency assistance services, so you can be sure that help is always at hand, if you need it.  

    Be Aware Of What Your Policy Doesn’t Cover

    While it is essential that you are aware of what all your policy covers, it is equally important to be aware of all that your policy does not cover. Most insurance policies will not usually entertain any claims arising from a pre-existing medical condition, unless it is a life threatening one. Claims arising from mental disorders, anxiety, depression, self-inflicted injuries, attempt to suicide, addiction to alcohol / drugs, intentional exposure to un-covered risk, acts of terrorism, are just some standard policy exclusions. However, since each policy is different, it can also carry different terms, conditions and exclusions. So do check the policy wordings before proceeding to buy the policy.

    Look Around Before Settling for a Policy

    Finally, like you would for any other investment, do look around before you settle for a particular policy. You can go online, check real-time customer feedback for the policies you have shortlisted. Find out how other customers have rated their experience with a certain insurance company regarding claim settlement support, policy terms, emergency assistance, etc. This will give you a fair idea about what to expect. Also, you could contact the company’s branch office for details or employ the services of an independent aren’t who can provide you with a list of travel insurance options without leaning towards a particular company, and giving you an unbiased opinion.  

    As hard working individuals, we must learn to be wise with handling money. Investing your money in the right travel insurance policy can benefit you in multiple ways. After all, a vacation is to let your hair down and enjoy, not worry about those additional expenses which you’ll have to shell out for, once the trip ends. With the guidelines mentioned above, you can choose the right insurance policy for yourself. For most of us who think otherwise, travel insurance should not be an option. It is a necessity. Just like you wouldn’t want to go through life without life insurance, why would you want to make an exception on your holiday?

    How To Choose A Travel Insurance Policy Reviews

  • Page 1 of 2 1 2
    • review Travel Insurance
      "Good protection for luggage"
      0.5 4.0/5 "Great!"
      I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 07, 2018
    • review Travel Insurance
      "Enjoy your travel experience without any fear. "
      0.5 4.0/5 "Great!"
      I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Travel Insurance
      "travel insurance is very nice"
      0.5 3.5/5 "Pretty good"
      i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 26, 2018
    • review Travel Insurance
      "Worst Insurance provider ever "
      0.5 0.5/5 "Unacceptable"
      Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
      Was this review helpful? 1
      , madurai
      Reviewed on Oct 31, 2018
    • review Travel Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2018
    • review Travel Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 04, 2018
    • review Travel Insurance
      "Claim was rejected becuase of unnescceary reason"
      0.5 0.5/5 "Unacceptable"
      I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 26, 2018
    • review Travel Insurance
      "Very easy to get."
      0.5 5.0/5 "Blown Away!"
      It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
      Was this review helpful? 1
      , thane
      Reviewed on Oct 09, 2017
    • review Travel Insurance
      "Good for travelers"
      0.5 4.0/5 "Great!"
      Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 31, 2017
    • review Travel Insurance
      "RELIGARE HEALTH Travel Insurance"
      0.5 4.0/5 "Great!"
      Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 19, 2017
    • review Travel Insurance
      "Pathetic disbursal policy- rather not take an insurance"
      0.5 0.5/5 "Unacceptable"
      Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
      Was this review helpful? 11
      , kolkata
      Reviewed on Mar 03, 2017
    • review Travel Insurance
      "Fantastic experience"
      0.5 5.0/5 "Blown Away!"
      Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
      Was this review helpful? 4
      , gurgaon
      Reviewed on Jan 15, 2017
    • review Travel Insurance
      "Excellent services"
      0.5 3.0/5 "Satisfactory"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 27, 2016
    • review Travel Insurance
      "Religare only want new business - good luck with renewal"
      0.5 0.5/5 "Unacceptable"
      Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 24, 2016
    • review Travel Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
      Was this review helpful? 6
      , bangalore
      Reviewed on Apr 16, 2016
    • review Travel Insurance
      "Really good"
      0.5 4.0/5 "Great!"
      I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 19, 2016
    • review Travel Insurance
      "Wonderful..."
      0.5 5.0/5 "Blown Away!"
      If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
      Was this review helpful? 3
      , bangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "Don't buy reliance"
      0.5 0.5/5 "Unacceptable"
      Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
      Was this review helpful? 12
      , mangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "compulsory for travellers..."
      0.5 4.5/5 "Excellent!"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 7
      , thane
      Reviewed on Nov 28, 2015
    • review Travel Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
      Was this review helpful? 4
      , chennai
      Reviewed on Oct 01, 2015
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