Whoever said wishes don’t come true hasn’t explored our offers!

Travel Insurance – Some Things To Know Before You Buy It

 3.5 / 5.0   by 23 users
Used this product? Write a review >>

Plan Benefits

Customer Service

Medical Coverage

Claim Experience

Almost always, while planning trips, we conveniently forget about travel insurance. It’s often looked upon as an unnecessary expense, since people think ‘What can possibly go wrong on a trip’? Truth be told, there is no dearth of things which can go wrong while you’re travelling. That too, without so much of a warning. You could lose your baggage, misplace your passport, have your wallet stolen, fall sick during your trip, etc. etc., the list goes on.

Travel insurance is no longer something that should be overlooked. It can become a financial cushion in case an unexpected expense befalls you during your trip. However, don’t just book any travel insurance policy. Like any other insurance product, choosing the right policy requires time and research. So, before you settle on a particular policy to cover your trip, here are a few things to keep in mind.   

Ensure you’re Not Already Covered

Before you get around to choosing a travel insurance policy, check with your existing insurance provider. Sometimes, your life or medical insurance policy might cover you for short trips made overseas. In case you are making a brief trip abroad, you could probably forgo purchasing a new travel insurance policy, as your existing insurance provider might provide sufficient cover.

Look Around Before Settling On A Policy

It might be easy and hassle free to just buy the insurance your travel agent, tour organizer, Holiday Company or travel website is offering. However, resist the temptation. Look around for other insurance providers and the deals they are offering. This will give you a chance to choose policy which is tailor made to fit your needs, not just for the current trip but perhaps also for your future trips. You are also more likely to find a policy which might be economical and provides better coverage as well.

Don’t Delay Booking Your Travel Insurance

Book your travel insurance policy soon after you’ve booked your trip. This is because, most travel insurance policies come with a Cancellation Cover which allows you to cancel the policy in case the trip is cancelled or you can't go forward with the trip due to an unavoidable reason. However, the cancellation cover does come with a bunch of sub-clauses and terms, so read it carefully before choosing the policy.

Before You Buy Insurance, Evaluate the Level of Cover You Need

Before you choose a particular policy, always evaluate the level or amount of coverage you require for the trip you are undertaking. Depending on the duration of your trip and the activities you have planned, choose the coverage accordingly. For instance if you are taking a leisurely trip with a where there isn’t much sightseeing or activity involved, you could choose a policy with lower coverage as compared to a trip where you have a host of thrilling yet risky activities planned like hand gliding, bungee jumping, etc. The latter would obviously all for a policy with a higher and wider coverage for the type of risks involved. Also, in case you are planning on adventurous activities, do go through the fine print of the policy to check whether or not he activities you are about to undertake are covered.

Declare Any Pre-existing Medical Conditions

Before purchasing a policy, declare any pre-existing medical condition to the insurance provider. This could result in two possibilities, which are, either your premium could increase be hiked or the insurance could simply turn down your request for the policy. In case you do not declare your medical condition to your insurer but following the trip, end up making a claim concerning the pre-existing condition, it is more than likely that your claim will not be considered valid.

Consider Multi-Trip Policies, Policies For Couples / Families

Do you make frequent or multiple trips abroad in a year? If so, then a multi-trip travel insurance policy could be beneficial for you. You could save substantially not only in terms of money but also time, over purchasing multiple single trip policies. Also, if you are travelling as a couple or on a family trip, it is economical to purchase a bundled travel insurance policy as a couple or for a family.

Look For Feedback Online & Offline

No one can give you better feedback than an actual user. Visit online forums where customers have posted feedback about the travel insurance policies they are using. You will get a fair idea about how effective and true to its word the policy is. Ask your family and friends about the policy they have chosen when they were travelling or if they have any recommendation regarding policies.

No matter where we may be, the threat of the unknown always looms over our heads. Travelling is something which is best enjoyed stress-free. And travel insurance ensures just that.

Travel Insurance – Some Things To Know Before You Buy It 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
Common Loader Icon
Page 1 of 2 1 2

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.