Do's and Don'ts when Buying Travel Insurance
The Internet has revolutionized the way you shop. From food to insurance, everything you can get in just a single click. Whether you are traveling for the first time to the foreign country on a student visa or you are a seasoned traveler, its always good to get yourself insured with a sound travel insurance policy. When buying travel insurance online is it important to ensure that you enter all the required information correctly, if you make a mistake you could find that your policy is invalid and doesn't provide the cover you thought it did. You can avoid making common mistakes by taking some extra time to double-check that all details have been filled in correctly, and remember that you have a 14-day cooling-off period in which you can change or cancel your policy, provided you haven't traveled or made a claim.
Do Understand Your Travel Insurance Needs
You should understand your need for travel, whether it's for holiday, honeymoon, business, studies, single or multiple trips. There are region-specific travel insurance plans as well that you can check online. As different travel insurance plans, serve different purposes so you should pick it accordingly.
Don’t Buy any Travel Insurance Plan
If you are traveling to Schengen countries, then you should not buy any travel insurance. Different countries have different travel policies. You should buy a region-specific international travel insurance plan to avoid any immigration issue while you are stepping into a foreign country.
Do Get your Vaccinations
If you are lucky enough to be traveling to more exotic locations it's important that you are up to date with all of your vaccinations. There are chances where you may face health problems that you often have not experience at home. So it’s better to minimize the risks and get yourself vaccinated prior to traveling. You may be liable for all medical costs abroad if you fall and did not get the required medication before you traveled.
Don’t Hide your Medical History
You may think that by hiding a medical condition you will save money, however, the thing to remember is that if you do not declare a medical condition you might not be covered for medical expenses if you fall ill if the illness is linked to a pre-existing medical condition. By declaring all pre-existing medical conditions, no matter how serious, you can be sure to be covered if you are unfortunate enough to fall ill when on holiday. So, it’s better to inform about the medical conditions and get your insured on foreign land.
Don’t Give False Information
Insurance companies always do a cross-check the details you have provided online. So, it’s advisable never gives any false information about yourself or your family for whom you are buying travel insurance. Give all the travel dates and destinations that are in your travel itinerary.
Do Give the Right Travel Details
Before filling the form online, you should make sure that you give all the correct travel dates. You need to make sure that your travel insurance policy covers the entire duration of your trip. Additionally, do prepare a list of the holiday activities and confirm if the insurer is offering the insurance cover for all of them.
Don’t Forget to Check the Cooling-off Period
When you purchase a travel insurance policy online, you should have 14 days cooling-off period during which time you can cancel, or amend your policy without charge as long as you haven't traveled or made a claim. After the completion of this time period, you are not allowed to make any changes.
Don’t Think that Travel Insurance is not Worth It
A few percentage of travelers do not buy travel insurance as they see it as an additional and expensive extra cost to their holiday costs. Remember that by not having travel insurance you will not be covered if you have an accident whilst abroad, all the costs associated with this will have to come out of your own pocket. Religare offers an online travel insurance that is a one-stop solution for all kinds of medical emergencies that you may face during your stay in a foreign land.