Is Family Holiday Travel Insurance Worth It?

When you are planning to go abroad, it is important to prioritize family safety. But, majority of people still have a difficult time choosing whether or not to buy online family holiday travel insurance India. It is most likely because of people’s tendency to avoid spending money on a plan which you don’t really understand.

But, when travellers know what the benefits this coverage offers and realize that accidents happen at any time and anywhere. Below are some useful tips that help you to decide what policy to buy:

·         Loss or Damage of Travel Documents or Personal Effects

Travel related documents may include your identity cards, passport and other work related documents. Personal effects refer to personal belongings like antiques, electronic gadgets etc. Buying online family holiday travel insurance will reimburse a specific amount of money based a policy type in case any of the stuff lots or get damaged during journey.

·         Flight Delay and Trip Cancellation

There are many different reasons behind trip cancellation, but insurance companies in India generally qualify this in terms of cancellation because of anyone’s injury or death 30 days prior to departure date.

It clearly means that this coverage will reimburse policyholders for the cost of your accommodation and journey fare, given the condition arises within the specific time period.

·         Medical Expense Reimbursement

It is one of the most important policy benefits of online family holiday travel insurance India because insurance companies in India give medical coverage for certain days of hospital confinement. Usually, this benefit means that insured person will be reimbursed for medical costs him or her outlay abroad because of illness or accident as mentioned in a plan during the holiday duration.

Insurers may further specify the information of the nature of the accident they will insure. Once you buy the best family holiday travel insurance online, you will be able to enjoy your vacation with peace of mind.

Source: http://cheaptravelinsuranceindia.weebly.com/blog/is-family-holiday-travel-insurance-worth-it

How to save your money while travelling abroad?

Getting insured is the best protection that you can give yourself while travelling. Travel insurance prices vary depending on the type of insurance coverage you require. It generally depends upon factors like place of travel, number of people, baggage, and health issues while traveling etc. If you are traveling abroad, you may consider getting travel insurance and should be aware about what you will need to cover, such as medical, baggage, cancelled flights or emergency landings.

While we often wish to cut-down the additional costs while travelling, the article gives you few tips to get the cheap travel insurance while buying a suitable travel policy.

•Don’t just assume lump-sum amount for planning your travel policy. After all every penny matters and needs to be saved wherever possible. So, plan your insurance policy realistically, and think about the amount of coverage you will require. Many travel insurance companies will try to cover you for an unnecessary amount of money, so try to lower your amount of coverage to a realistic amount to save more money.

•Consider looking into customized travel insurance policies if you are traveling as a family, are over 65 years old or you have a pre-existing medical condition. Family travel insurance is always cheaper compared to buying insurance for each individual. If you are over 65 years old, you could also be eligible for discount. A better way to buy cheap travel insurance.

•Precaution is better than cure, it’s always better to read the fine prints and know exactly what your policy covers and the amount of your coverage. Make sure that you are not paying for anything that you do not need or want.

•Whenever you’re in a situation to take any crucial decision while abroad it’s better to contact your travel insurance company and check if it’s not incurring unnecessary charges and affecting your policy. Before you seek medical attention in another country, cancel any part of your trip or pay medical bills, speak with your travel insurance company.

•Keep all your travel insurance documents in a safe place and have them in a convenient place when you are traveling so that you can refer to them at any moment. If possible have a copy of each in your online account.

•File the necessary claims as soon as possible along with all the relevant documents, so that you can be reimbursed quickly.

•Online research is the best way to get cheap travel insurance. Do ample research and find out what kind of insurance you will need and the amount of coverage you need. Travel insurance will generally cover cancellations, lost baggage and medical expenses, so decide if it is in your best interest to get insurance and how much.

•Try and speak to few different travel agents to get a quote on what they will charge you for travel insurance, and then do your own research using the internet to see if there are incurring any extra costs. There are many websites that offer travel insurance, and there are even websites that will compare quotes from various companies to help you find the best deal.

•Decide whether you will need annual or single-trip travel insurance. Annual insurance is definitely one of the ways to cut down the additional costs. If you plan on traveling overseas often in a year, you may consider annual travel insurance because you may get cheap travel insurance deals.

[Source: https://cheaptravelinsuranceindia.wordpress.com/2015/08/26/how-to-save-your-money-while-travelling-abroad/]