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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.
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? 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. 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. 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!
Under the baggage loss, you are compensated for the permanent loss of the baggage you were travelling with based on the check-in baggage stored. Read more
Under the baggage loss, you are compensated for the permanent loss of the baggage you were travelling with based on the check-in baggage stored. When stranded without baggage, you may feel left out and even frustrated, but the baggage cover allows you to incur the necessary expenses and they will be covered under the policy.
In travel insurance coverage, the baggage delay is compensated Read more
In travel insurance coverage, the baggage delay is compensated for the items in the baggage like worn clothes, toiletries, other essentials. When required, delay in the baggage can be stressful and sometimes leads to loss of baggage at the end. .
In situations of flight delay and re-booking a new flight, the unplanned additional expenses are compensated or booked by the insurance company if possible Read more
In situations of flight delay and re-booking a new flight, the unplanned additional expenses are compensated or booked by the insurance company if possible. In some situations the travel insurance company may offer to book a new flight for you, if delayed, but you should inform the insurer promptly.
Various reasons can lead to a trip cancellation or curtailment. Read more
Various reasons can lead to a trip cancellation or curtailment. With the travel insurance policy, you can rest assured that your ticket expenses will be covered and you can get the amount reimbursed. Such a cover becomes even more important when the tickets you have booked are non-refundable.
Riots, protests, strikes, natural calamities, death in the family, bad weather, and so on. Any sort of emergency situation can lead to trip cancellation or curtailment. But with the travel insurance policy you can get reimbursed for the ticket expenses.
In situations like this, the hotels or flight seats already booked by the traveller are not available on arrival. Read more
In situations like this, the hotels or flight seats already booked by the traveller are not available on arrival. In such cases, the insured person is reimbursed for the pre-booked hotel room or the airline bookings if the preferred accommodations are not available at arrival. The travel insurance coverage can be claimed for it if opted under the travel insurance policy.
In situations of a bag being stolen and losing your passport, you are covered under the Travel Insurance Policy. Read more
In situations of a bag being stolen and losing your passport, you are covered under the Travel Insurance Policy. Up to the sum insured limit, the charges of getting a new passport are met by the insurance company.
In rare cases, if your plane gets hijacked during a trip, having this cover of a policy can compensate you for the emotional distress. Read more
In rare cases, if your plane gets hijacked during a trip, having this cover of a policy can compensate you for the emotional distress. These types of policy covers are not generally opted by the policyholder but when travelling to destinations unknown, can help with having this cover immensely.
Credit card theft is the cover which should be a must when travelling abroad. Read more
Credit card theft is the cover which should be a must when travelling abroad. If and when your credit card is stolen or lost, immediately inform your insurer. Informing the insurance provider makes you eligible to receive emergency cash advance. The details of the same will be provided to you by the consulting agent or the information will be shared with the beneficiary appropriately.
Under this point of the travel insurance coverage, if you are out on a vacation or a business trip Read more
Under this point of the travel insurance coverage, if you are out on a vacation or a business trip and your house gets broken into, your Insurer will pay for the damages and loss incurred by you in that robbery. However, the amount you receive depends on your insurance policy and the extent of cover
The clause of Personal Liability covers you from the claim made against you for bodily injury, Read more
The clause of Personal Liability covers you from the claim made against you for bodily injury, damage to property or damage to another person during a trip. When away from the security of your house, it gets difficult to settle a situation on an unknown land. The cover of personal liability secures you from such unwanted and unprovoked situations.
Personal injuries incurred during the trip are compensated or expenses are undertaken by the travel insurance Read more
Personal injuries incurred during the trip are compensated or expenses are undertaken by the travel insurance company. Injuries met under the influence of drugs or alcohol are not covered.
Under the Student Travel Insurance Plan, many insurance providers cover expenses and costs you end up paying Read more
Under the Student Travel Insurance Plan, many insurance providers cover expenses and costs you end up paying for your studies abroad. The insurance companies reimburse the tuition fees to the insured, paid in advance to the institutions by the insured.
Regular Travel Insurance covers emergency medical evacuation. Read more
Regular Travel Insurance covers emergency medical evacuation. It includes the airlift, or the cost incurred to supply medically equipped flight apparatus back to the home country.
The accidental death cover is the most important aspect of the travel insurance plans. Read more
The accidental death cover is the most important aspect of the travel insurance plans. Any individual or family member of the policyholder travelling overseas should add this accidental death clause in the policy of their travel insurance. In this cover, in case of the accidental death, while travelling,the family of the deceased is compensated up to the sum limit insured.
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Sonal Gopujkar
Excellent process! Very easy to use and instant output
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Written By : Bajaj Allianz - Updated: 30th April 2024
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