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What To Look Out For When Buying Travel Insurance Online


Do you plan to take a break and travel abroad for a fun vacation? Then you should consider investing in a good travel insurance plan. Unlike you, emergencies do not take a vacation. That’s why it is important to have travel insurance coverage for any trip you take.

Travel insurance coverage protects you against unplanned emergency expenses while travelling. In this article, we will go over some of the key things you should look at while you buy travel insurance online.

Why Do You Need Travel Insurance Coverage?

With travel insurance, it is easy to travel without any worry. It prepares you to deal with unwanted issues. This includes flight cancellations, accidents, sudden illness, baggage loss, etc. Travel insurance is one of the most important things to have when travelling. But it is often overlooked by many.

Let us imagine a situation where you are in a more expensive country than your home country. And while there, you have an unfortunate accident resulting in a hospital visit. This can be expensive and hurt your finances. A good travel insurance policy can help you avoid financial difficulties, and your savings can be guarded against unwanted emergencies.

Having good insurance is always a good idea. It can keep you protected from any uncertainty that you may encounter. A good insurance plan will ensure you travel without stress about potential mishaps.

Things To Look For While Buying Travel Insurance Online

We have so far discussed the importance of a travel insurance plan. Now, let us look at some key pointers to consider when you buy travel insurance online. This can help make your next trip more relaxing, so keep reading.

Plan Your Trip

Before you decide on travel insurance, iron out your trip details. It would help if you were very sure of your travel plans before you buy travel insurance online. There are different types of travel insurance policies. To find out which one is best suited for you, the first thing you need to do is have clear plans.

Travel insurance also depends on a variety of factors related to your trip. This includes things such as:

  • The country you are travelling to
  • Length of the trip
  • Planned activities
  • Items you will be taking with you (for example, will you be carrying expensive jewellery or devices)
  • Your health condition and medical needs

Understanding all these factors is very important. You need the travel policy to provide you with everything you need, so you must know what you need.

Know What It Covers

Understanding what your travel insurance policy covers is the next step. Once you have identified your needs, you must look for policies to cover them. Many insurance policies are country-specific. This means they only cover you for one country.

So, if you are planning on going to more than one country, make sure you keep that in mind when choosing a plan. Many travel insurance policies do not cover injuries from adventure sports. So, if you are to take part in any adventure sports, you might have to choose a higher-paying policy.

You should also note the type of coverage your policy offers. It will either be primary or secondary travel insurance coverage. You don’t have to worry about paying for anything in primary coverage. But in secondary coverage, you have to make the payments yourself. The insurance provider will reimburse you later. Knowing this can help you plan your expenses.

You should consider coverage for other factors too like lost baggage, flight cancellation etc.


You might be planning on travelling with many expensive items. If you are carrying jewellery, a laptop, cash, etc.; in that case, you might have to consider buying riders. This is besides your travel insurance plan. This is because travel insurance coverage does not cover expensive items.

In such cases, you need to buy a rider or add-on cover. This is to ensure your valuables are taken care of. Riders can increase your premium costs, but it is always better to be on the safer side.

Medical Conditions

You must disclose any pre-existing medical or health condition that you may have. Many people hide their medical problems to avoid paying a higher premium. This can cause problems if you face any related problems on the trip. The insurance provider can refuse your claim. All because you did not disclose this information.

The same applies when you are travelling with medications. Remember to check what terms your insurance provider has about replacements. You don’t want to be in a foreign country and run out of life-saving medicines. Some policies have special provisions for this, so make sure you choose the right one.

Extensions And Multiple-Trips

You might decide to extend your trip if you are having too much fun or if you have some unfinished business. But travel insurance is generally valid only for a set period. This is why you should pick a travel insurance policy that allows extensions. And these extensions shouldn’t come at a hefty premium.

But, if you take more than one trip a year or travel often, you can opt for a multi-trip travel insurance plan. This type of plan can help you save time and money. You wouldn’t have to worry about buying individual policies every time you travel.

Cheaper Is Not Better

You should not compromise when it comes to your health. When you buy travel insurance online, do not go for the cheapest option. Instead, go for the one that is best suited to your needs.

A cheaper option may seem great at first, but it won’t be of much help when an emergency arises.


And there you have it! With these points in mind, you can find yourself the right travel insurance plan. It can feel a bit challenging to buy travel insurance online. But, if you do your research, you can find yourself the perfect plan with ease.

To know more about insurance policies, you can rely upon the financial expertise of Piramal Finance website. It will help you know their products and services, especially credit cards and personal loans.