Source: forbes.com

The ongoing pandemic has resulted in many restrictions on travel. With the vaccination drive and Covid-19 precautionary measures being implemented, travel is making a comeback and hence, the important question: “Do I need travel insurance?”

Whether international or domestic travel, insurance should be on your “to-do” list and a must for everyone regardless of the type or place of travel, say experts. Especially now, more people are aware of the importance of travel insurance due to the torment from their previous cancelled trip experiences or similar situations of their near ones as the pandemic erupted.

When you are ready to spend on the trip, it is definitely worth taking travel insurance so that you are prepared for unexpected expenses, too. Here are things you must know before buying a travel insurance plan:

Medical benefits and sum insured: It is particularly important to check medical benefits and the coverage that you will get in case of a claim as hospitalization expenses can vary in different countries.

Claims processes: The primary reason you take insurance is to cover any unfortunate loss, and hence, claims are the anchor to it. Do check the claims process and the claim settlement ratio, as these are the key factors that point out the accuracy of the insurer. Don’t forget to check for any time excess or deductibles to understand the eligibility.

Terms of claims: It is common to ignore terms and conditions before signing into any web portal. But when it comes to insurance, it can cost you more, or in worst cases, claims can get rejected if you miss important information.

Automated services: It can get tiring to file a claim when you are waiting for your flight, but wouldn’t it be great if your insurance provider tracks flight delays and initiates the claims themselves?

Paperless process: We live in a simple and tech-enabled ecosystem where everything is moving quickly. When you choose an insurance provider who offers all the services digitally, you do not have to worry about hard copy and documentation, you just need to upload the necessary information.

Missed-call services: Calling your home country from an international location can be costly. That is when missed-call services can be of help. With the help of these services, you just have to make a missed call from the registered mobile number to the insurance provider, and they will connect with you to take the process ahead.

In a nutshell, the right travel insurance can help you travel worry-free against any unwelcome expenses like flight delays, or in the worst case missing flights, facing medical emergencies, and loss or delayed baggage, among others. However, travel insurance purely plays as protection while you have to be accurate on other important aspects such as visa procedures and the things you need to carry to different locations.