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Newly-wed couple Ravi and Rita were all set for their honeymoon to the USA. Both of them knew the importance of travel insurance and had availed one. However, on reaching there, they were informed about their baggage being stuck at Chicago airport and that they would get it the next day.
The problems of the couple further compounded when they found out that their policy didn’t offer coverage for delay of checked-in baggage and that they wouldn’t be compensated for the losses suffered. Buying cheap travel insurance online had saved them some money but had left a lot to be desired when it came to delivering the goods!
Lured by cheap travel insurance offers, Ravi and Rita had overlooked the fine print which specified coverage details. The story of this couple highlights the importance of choosing a travel insurance policy offering a comprehensive coverage against nasty surprises that might crop up anytime during your journey abroad.
On a scale of 1 to 3, what do you rate as being the most important factor when it comes to buying travel insurance? We call it the 3C’s of buying Travel Insurance- Coverage, Customer Support and Claim settlements!
We get that you love a good deal on your travel insurance plan. However, rather than typing ‘cheap travel insurance plans’ into your browser, we suggest spending a few minutes understanding how to evaluate plans based on their cost effectiveness.
Cheap travel insurance plans often provide barebones coverage that may not fully meet your needs, especially in a foreign country where you may have kids and luggage in tow!
Hence, it’s imperative to opt for a policy that offers a 360-degree protection. Cutting corners by buying cheap travel insurance plans can leave you vulnerable to a variety of travel risks.
That brings us to the question: How do I choose the most optimal travel insurance plan for my needs? Of course, premium may top the list for you. After all, who wouldn’t want cheap travel insurance? However, as Ravi and Rita’s ordeal illustrates, there’s more to choosing travel insurance than just how much you pay for it.
Read on to find out more.
1. Coverage Offered
Not all insurance plans are made alike. While cheap travel insurance plans do grab eyeballs, when it comes to making the decision to buy, it’s essential to go through the policy wording carefully to understand the coverage offered by the plan. For instance, while some plans may offer coverage against theft, loss of baggage or flight delays, they may not offer coverage for the late arrival of baggage.
Therefore, just as you check the expiry date before buying a medicine or food item, go through the policy to understand events and circumstances under which you will get coverage.
2. Go Beyond Injuries, Death and Medical Emergencies
Do you buy a car based just on its looks or engine capacity? While looks and engine capacity are important, it’s not everything. Similarly, while buying Cheap Travel Insurance online or offline, it’s vital to look beyond coverage offered in case of injuries, death or a medical emergency.
It’s wise to buy a travel insurance policy that compensates for the losses suffered due to delayed flights, loss of passport and essential documents, trip cancellation and emergency cash benefit among others. In other words, cheap travel insurance isn’t always the better deal!
For instance, emergency cash advance is an integral feature of our Travel Insurance Plans where we offer you urgent cash in case of theft and burglary of luggage.
3. On-Support Call
Imagine yourself stranded on a foreign territory with your loved ones due to loss of essential documents. Let’s change the situation a bit. Imagine a friend by your side to guide you in such a scenario. Isn’t it more relaxing now than before?
When you avail a cost-effective travel insurance policy, make sure that 24X7 claims support is available from any part of the globe. This can help you turn an emergency situation into a positive one.
For instance, with our Travel Insurance Plans, you can connect with us from anywhere in the world by giving a missed call on +91-124-6174720. In times of need, you’ll always find a friendly, confident voice you can bank on at anytime.
If you have a bout of analysis paralysis, this is the perfect antidote!
4. The Claims Process
Perhaps the most essential thing of any insurance policy is claim settlement. As one of the leading insurers in the country, Bajaj Allianz strives to deliver on your claims quickly and efficiently. When comparing travel insurance plans online, check out how easy or seamless the process is and the documents required for the same.
To put things into perspective, if the basic premise of cheap travel insurance plans is saving money, the claims process at Bajaj Allianz is designed to save you another precious commodity- time!
At Bajaj Allianz, we believe in making the entire claims journey a smooth ride. With our Travel Insurance Plan, you can register your claim by sending an email to travel@bajajallianz.co.in or calling our Toll-free number 1800-209-5858. Quick, efficient and seamless to say the least.
Savings - the reason why cheap travel insurance plans are a big draw. For a share of your wallet, there are a number of priorities that compete. It is only natural that you’d want to get the biggest bang for your buck. However, without a good grasp of some of the foundational aspects of buying travel insurance you can impact your wallet rather hard.
Don’t lose heart! Saving on your travel insurance premium is not as difficult as you may imagine. With these simple tricks you can easily lower your travel insurance premiums:
● Choose the Level of Cover You Are Comfortable With
Travel insurance policies generally offer three broad covers – basic, advanced and comprehensive. Benefits increase with each type and so do premiums. It’s important to choose the level of cover you are most comfortable with.
For example, while all the three covers may provide you coverage against medical emergencies or trip cancellation, not all may offer compensation in an event of delay in the arrival of baggage. Therefore, it’s vital to choose a level of cover you are most comfortable with.
If a comprehensive coverage gives you peace of mind, opt for it or else go a policy offering basic cover in certain worst-case scenarios.
● Avoid Add-ons You Don’t Need
Just as carting around excess baggage can give you sore wrists, piling on add-ons with your travel insurance policy can significantly push up premiums. An effective way to lower premiums is to avoid add-ons that you don’t need.
For example, if you are visiting a place where there’s no scope for adventure sports, an adventure sports cover bundled with your travel policy serves no purpose. Similarly, high-value personal items cover isn’t of much help if there aren’t any such items you are carrying.
● Buy Online
In the digital era, when you buy everything from chalk to cheese online, why not your travel insurance policy? In fact, buying a travel insurance policy online not only gives you a chance to purchase from the comforts of your home, but also avail discounts as the insurer saves on distribution costs.
A few years ago, you might have had to stand in queue in your insurer’s office to buy travel insurance. Today, all it takes is selecting basic criteria- cost, coverage, company etc and voila! a range of cheap travel insurance options are yours for the picking!
Buying travel insurance online is a win-win solution for all. As a customer, you get to choose from a host of competitively priced products (read cheap travel insurance!) and top rated insurance providers. Enough said!
You can also sign up for newsletters from insurers to know about any possible offers. At the same time, do check out the features of a discounted policy to judge whether it’s right for you or not.
● Avail a Multi-trip Policy
Are you a frequent traveller whose work calls for travel to distant continents every now and then? If yes, a multi-trip policy is your best bet to cut down premiums. Such a policy covers not just one trip, but all the trips undertaken in a year.
Just like a multiple entry visa, it could be your best bet when it comes to cheap travel insurance. It also makes it easier to justify your monthly business expenses if you’re a corporate traveller.
So, instead of buying separate policies each time, consider a multi-trip policy that eases the burden on your pocket to a great extent. Happy travelling!
Not all insurance plans are made alike. While cheap travel insurance plans do grab eyeballs, when it comes to making the decision to buy Read more
Not all insurance plans are made alike. While cheap travel insurance plans do grab eyeballs, when it comes to making the decision to buy, it’s essential to go through the policy wording carefully to understand the coverage offered by the plan. For instance, while some plans may offer coverage against theft, loss of baggage or flight delays, they may not offer coverage for the late arrival of baggage.
Therefore, just as you check the expiry date before buying a medicine or food item, go through the policy to understand events and circumstances under which you will get coverage.
Do you buy a car based just on its looks or engine capacity? Read more
Do you buy a car based just on its looks or engine capacity? While looks and engine capacity are important, it’s not everything. Similarly, while buying Cheap Travel Insurance online or offline, it’s vital to look beyond coverage offered in case of injuries, death or a medical emergency.
It’s wise to buy a travel insurance policy that compensates for the losses suffered due to delayed flights, loss of passport and essential documents, trip cancellation and emergency cash benefit among others. In other words, cheap travel insurance isn’t always the better deal!
For instance, emergency cash advance is an integral feature of our Travel Insurance Plans where we offer you urgent cash in case of theft and burglary of luggage.
Imagine yourself stranded on a foreign territory with your loved ones due to loss of essential documents. Read more
Imagine yourself stranded on a foreign territory with your loved ones due to loss of essential documents. Let’s change the situation a bit. Imagine a friend by your side to guide you in such a scenario. Isn’t it more relaxing now than before?
When you avail a cost-effective travel insurance policy, make sure that 24X7 claims support is available from any part of the globe. This can help you turn an emergency situation into a positive one.
For instance, with our Travel Insurance Plans, you can connect with us from anywhere in the world by giving a missed call on +91-124-6174720. In times of need, you’ll always find a friendly, confident voice you can bank on at anytime.
If you have a bout of analysis paralysis, this is the perfect antidote!
Perhaps the most essential thing of any insurance policy is claim settlement. Read more
Perhaps the most essential thing of any insurance policy is claim settlement. As one of the leading insurers in the country, Bajaj Allianz strives to deliver on your claims quickly and efficiently. When comparing travel insurance plans online, check out how easy or seamless the process is and the documents required for the same.
To put things into perspective, if the basic premise of cheap travel insurance plans is saving money, the claims process at Bajaj Allianz is designed to save you another precious commodity- time!
At Bajaj Allianz, we believe in making the entire claims journey a smooth ride. With our Travel Insurance Plan, you can register your claim by sending an email to travel@bajajallianz.co.in or calling our Toll-free number 1800-209-5858. Quick, efficient and seamless to say the least.
Savings - the reason why cheap travel insurance plans are a big draw. For a share of your wallet, there are a number of priorities that compete. It is only natural that you’d want to get the biggest bang for your buck. However, without a good grasp of some of the foundational aspects of buying travel insurance you can impact your wallet rather hard.
Don’t lose heart! Saving on your travel insurance premium is not as difficult as you may imagine. With these simple tricks you can easily lower your travel insurance premiums:
Travel insurance policies generally offer three broad covers – basic, advanced and comprehensive. Benefits increase with each type and so do premiums. It’s important to choose the level of cover you are most comfortable with.
For example, while all the three covers may provide you coverage against medical emergencies or trip cancellation, not all may offer compensation in an event of delay in the arrival of baggage. Therefore, it’s vital to choose a level of cover you are most comfortable with.
If a comprehensive coverage gives you peace of mind, opt for it or else go a policy offering basic cover in certain worst-case scenarios.
Just as carting around excess baggage can give you sore wrists, piling on add-ons with your travel insurance policy can significantly push up premiums. An effective way to lower premiums is to avoid add-ons that you don’t need.
For example, if you are visiting a place where there’s no scope for adventure sports, an adventure sports cover bundled with your travel policy serves no purpose. Similarly, high-value personal items cover isn’t of much help if there aren’t any such items you are carrying.
In the digital era, when you buy everything from chalk to cheese online, why not your travel insurance policy? In fact, buying a travel insurance policy online not only gives you a chance to purchase from the comforts of your home, but also avail discounts as the insurer saves on distribution costs.
A few years ago, you might have had to stand in queue in your insurer’s office to buy travel insurance. Today, all it takes is selecting basic criteria- cost, coverage, company etc and voila! a range of cheap travel insurance options are yours for the picking!
Buying travel insurance online is a win-win solution for all. As a customer, you get to choose from a host of competitively priced products (read cheap travel insurance!) and top rated insurance providers. Enough said!
You can also sign up for newsletters from insurers to know about any possible offers. At the same time, do check out the features of a discounted policy to judge whether it’s right for you or not.
Are you a frequent traveller whose work calls for travel to distant continents every now and then? If yes, a multi-trip policy is your best bet to cut down premiums. Such a policy covers not just one trip, but all the trips undertaken in a year.
Just like a multiple entry visa, it could be your best bet when it comes to cheap travel insurance. It also makes it easier to justify your monthly business expenses if you’re a corporate traveller.
So, instead of buying separate policies each time, consider a multi-trip policy that eases the burden on your pocket to a great extent. Happy travelling!
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