How To Choose The Best Travel Insurance Coverage

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How To Choose The Best Travel Insurance Coverage
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• In recent days where people tend to have the
  passion and the opportunity to travel more
  requires travel insurance to keep them safe from
  trip related issues.
• There are various factors that matters other than
  budget when you are planning for a trip.
• Only very few life insurance and medical
  insurance policy will cover you when you are at a
  trip internationally.
• So in such conditions, to cover you against the
  risk and perils include the cost of travel
  insurance too without any afterthought.

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Duration of Travel Insurance Policy

• Depending upon your travel plan, you can opt for
  the right one for you. There are both single trip
  policy and multi trip policy.
• Single trip policies often cover only in a single
  trip that is mostly a vacation whereas multi trip
  policies is suitable for travellers who make
  frequent trips in a single year.
• The benefit of multi trip policy is that it not
  only does save the hassle of taking policies
  every time but also saves money. In both the
  cases do check how many days of coverage is
  provided.
• Also check extend option is provided or not.
  Choose a policy which exceeds the total no. of
  days of your trip or which features extend
  option.

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Destination Cover

• Always check for the policy you choose include
  your travel destination. This is because
  different policies have different terms and
  conditions in global geographical coverage.
• In case of a global policy, do check the clauses
  for further details and sub limits.
• Some areas which are highly risky possess high
  premiums.

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Type of Travel Insurance Policy - Family/Couple
or Individual

• Taking travel insurance policy for a family or
  couple is much cheaper than taking it as an
  individual.

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Medical Cover

• Medical cover forms the most important part of
  the policy keeping in focus the rising cost of
  medical expenses in the US and Europe.
• A medical emergency could strike from anywhere
  you are.
• Before you sign a policy read the clauses under
  medical cover section. And also mention any pre
  existing medical conditions as they are essential
  as financial support wont be given in other
  cases.

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Luggage or Personal Belonging Cover

• This is a common scenario where one reaches
  destination and their luggage not.
• Loss of luggage is compensated with policy claims
  which might not include handbags.

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Cover for Valuables

• Insurance policy cover for valuables like your
  passport, wallet, and jewelry while on travel
  from theft and misplacement.

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Cover for Electronics

• Many of the travel insurance companies will not
  include electronic valuables like mobile phones,
  laptops, cameras in their cover.
• Read the policy carefully and ask the concerned
  person about whether or not such items will be
  compensated from their loss.

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Missed Flight Cover

• Travel insurance company more often than not
  cover for a missed flight. But some will offer a
  cover in a condition of a political threat or
  related in which you could not leave the country.
• Travel insurance companies design their cover to
  protect people from situations which they cannot
  avoid or protected.

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Claim Limit

• Every travel insurance policy will have specific
  limits for each and every cover.
• If your baggage cover specifies lost baggage
  cover upto 1000 which compensates only upto
  1000 even if your lost contents may exceed much
  above that. The same is with all other policies.

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Holiday/Trip Activities

• Medical expense on any injury that happened
  during holiday or vacation is very likely to be
  compensated by the company.
• Do check on the policies and covers on the
  activities or sport you are going to be involved
  in the trip.

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Cancellation Cover

• Cancellation of the trip is the most frustrating
  one in the case when you have financial loss with
  the prepaid bookings of purchase of air tickets,
  accommodation, sightseeing and other activities.

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Emergency Assistance Services

• A travel insurer may come up for your help in
  times of an emergency, medical have lost your
  passport and need help getting a new or duplicate
  one issued or one of your accompanying family
  members has fallen gravely ill on the trip. On an
  overseas travel you this service is highly
  recommended.

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Be Aware Of What Your Policy Doesnt Cover

• It is equally important to know what your policy
  doesnt cover along with what it does cover.
• Most insurance companies do not entertain claims
  arising from pre existing medical conditions
  unless it is a life threatening one.
• Do read the terms and conditions carefully before
  signing the policy.

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Surf Around Other Policies

• Before settling to a policy, go a round up on
  other policies as well. Choose the better one
  that suits you.

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Travel Insurance in Dubai

• It is mandatory to have a UAE travel insurance if
  you need to visit UAE or need a visa. Travel
  insurance in dubai can be obtained through online
  as well.

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THANK YOU