There’s no better way for a travel enthusiast to experience the joys of life than to discover a new place. You might be on a family vacation, travelling alone for some “me-time”, or on a business trip. Your reasons might vary, but you want your travel to be stress-free. However, while travelling, things may go wrong and ruin your trip. But do not worry; a travel insurance policy may come in handy!
Leading insurance companies in India, such as Tata AIG and others, provide a plethora of perks under a single travel insurance plan. These insurance companies cover baggage loss, flight cancellations, and medical conditions.
Now, how can you obtain a travel insurance plan? Purchasing travel insurance online would possibly be the best way.
Why Purchase Travel Insurance Online?
We live in a digital age where you can book online flight tickets, cabs, and hotel stays. So, why not apply the same logic to travel insurance? Here are some of the benefits of purchasing international travel insurance online:
- Enjoy Convenience
With everything else going on—shopping, packing, and so on—checking one box off your to-do list from the convenience of your house could be very useful. There’s no longer a need to visit the insurer’s office to buy travel insurance policies.
As a result, you may save a significant amount of time. In an emergency, you can quickly purchase travel insurance—select the travel insurance policy of your choice and make payments online. Regarding payments, most insurers now accept debit cards, UPI, credit cards, EMI, and other methods. You can choose the one that is most convenient for you.
- No Middlemen
There is no need for an agent when purchasing online. Most of the best travel insurance firms now offer all the necessary information you need on their official websites, including the travel insurance price, allowing you to make an informed decision free of bias. While insurance agents or brokers visit you to brief the benefits of numerous types of travel insurance in India, assist you in filling out forms, and collect your money, they may conceal specific facts in order to seal the deal. It can cause issues when filing claims.
Suppose you need to figure out how much insurance you require. In that case, an online premium calculator may assist you in determining the best level of coverage and premium amount to purchase travel insurance. Furthermore, you can always contact the help desk for clarification if you have any questions or doubts.
- Environment Friendly
Just think of the amount of fuel you’ll save by travelling to different insurance providers before deciding on a travel insurance policy; or simply the amount of paperwork you’ll have to complete just to purchase travel insurance.
You’ll save all of these resources and lend your hand to a lower carbon footprint if you book online. If you insist, a hard copy can also be mailed to you, but a digital copy (PDF) of the insurance policy will suffice. Just remember to keep your policy number on hand!
- Best in Budget
So many plans are available that you will discover something that precisely matches your budget and demands. You may avoid contacting an agent or owing them a commission because internet transactions have no intermediaries.
Some insurers also provide discounts on occasion. Thanks to comprehensive papers and online policy terms, you can make an educated decision. If you require assistance, call customer service, who will quickly resolve your problem. Once you’ve determined which insurance plan provides the most value for your money, go for it!
- Rapid Claim Settlement
The most feared fallacy about filing a claim is the time it takes to resolve any claim. Even the intermediaries frequently present it as time-consuming and promise to care for everything so you can rest. In actuality, you can file a claim entirely on your own. It is also more convenient to make a claim online. If you are travelling overseas and require cashless hospitalisation, you should immediately call your insurance, who will process your paperwork and organise for direct payment to the hospital.
If you need to make a reimbursement insurance claim, you can do so after you return. Simply contact your insurance and keep all required documentation available. If there is a delay, it is most often the result of an exclusion or lock-in clause. Your insurance provider will notify you if the claim is refused due to exclusions. The majority of insurers resolve these online insurance claims within 30 days.
- Scope of Comparing Travel Insurance Plans
You may compare travel insurance products from multiple providers online by navigating to their official websites and making an educated decision. Alternatively, several websites provide a complete comparative analysis of the many travel insurance packages offered by different insurance firms. You can always contact the support desk with any doubts or questions.
The Bottom Line
It is now easy to do your research because of increased internet availability and customer awareness. Online insurance companies often feature a part dedicated to policy terms, pamphlets, and policy wordings that anybody interested may read. Even if some words are tough or confusing, you may contact their customer service or other accessible options to assist you. Just take this work seriously and get a plan that provides complete coverage.
You may look into some of the websites of prominent insurance providers in India, like Tata AIG, since they offer some of the most affordable and feature-rich travel insurance plans for their customers.
What to look for when buying travel insurance?
When buying a travel insurance policy, research properly on the internet and read available user reviews. See if the policy or the insurer checks the following boxes.
- Offers optimum coverage
- Includes all important coverages like baggage loss, flight cancellation, flight delay, medical insurance, and others
- Offers a rapid claim settlement process
- Has a good claim settlement ratio