Is travelling your routine affair? Have you earned millions of frequent flyer miles? If your answer is YES, then buying a multi-trip travel insurance plan is what we can best advise to you! Your curious mind might force you to look for the offers given by the travel companies or explores more to get the best deal. Single-trip insurance is the best deal for those who travel less. But for a frequent traveller like you, a multi-trip travel insurance plan is the best, which covers you for multiple trips in a year (i.e. the policy term).
Buying a multi-trip insurance plan is cheaper than buying two single-trip plans, in case your spouse or children are travelling with you. If exploring new places is something that you can afford at any cost, travel often for a business requirement or leisure trip, investing in multi-trip travel insurance is the best choice to meet your requirements! By investing in a multi-trip insurance plan, you can plan your short trips year around without any hassle or applying, paying or worrying about the travel-related issues.
However, before buying a multi-trip travel insurance plan, you would like to know the benefits of this travel plan. Trips and proper planning go hand in hand and here are some key benefits of a multi-trip travel plan:
Buy a Multi-trip Plan and Save Money
If you are bitten by a travel bug, buying an annual multi-trip insurance plan is a must to bear the expenses that may arise due to medical emergencies or other unforeseen events. If you need to travel frequently throughout the year, with a multi-trip plan you can cover all your planned or unplanned trips while paying much lesser than buying 3 or 4 separate single trip plans. While buying, you should be careful about the offering. Always look for a plan that includes medical emergencies, travel delay or trip cancellation, illness or death of a family member.
Covers You for a Longer Time
A multi-trip insurance plan provides coverage from the day you start your trip till the next 365 days, irrespective of any trip you plan in-between. This facility is not available in a single trip plan, which only covers you during your trip and the coverage ends when the trip ends.
Enjoy Multiple Trip India and Abroad
By buying annual multi-trip insurance, you can enjoy travel outside India, for N numbers of time during the policy tenure for 1 year.
Number of Sports Activities Covered is Always Higher
A single trip policy only covers the sports activities that are prominent in a particular state. But in case of a multi-trip plan, the sports activities are unlimited, as you get a chance to travel multiple times to different states. So, the number increases accordingly.
Includes Last Minute Trip Plans
What if you plan a trip out of a family emergency, or the adventurous bit of you ignites all of a sudden and forces you to plan a trip right away; or you may get a buzz from your boss informing you about the next business trip? In these circumstances, one normally prefers to travel without an insurance plan due to the scarcity of time. Here, a multi-trip travel insurance plan comes into the picture and covers you for the unplanned expenses that may arise out of an emergency.
Provides Assistance for Business Travellers
If your business requires you to travel a lot and frequently, then a multi-travel insurance plan comes to your rescue in an unforeseen circumstance. Things can go wrong during your trip, such as flight delay, trip cancellation, loss of checked baggage, loss of documents. These may cause a big dent in your pocket. A multi-trip plan is designed in a way that it covers all the necessities of a business traveller. It covers you financially even during an instant trip.
Keep Things Simple with Multi-trip Insurance Plan
Buying a single trip plan each time is quite complicated. Each time you purchase a policy, you need to adhere to the terms and conditions, to remember what it covers and what it does not, the claim process; all these at times seem intricate to you. By buying a multi-trip insurance plan, you can remain stress-free at least for one year. The thought of facing all the hassles once again each time you buy a single trip plan restricts you from planning the trip accordingly.
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Few Things to Consider while Buying a Travel Insurance Plan
Choosing an appropriate travel insurance plan is tough. With an ample number of policies available in the market, you tend to get confused. So prioritising your needs is essential before buying a travel insurance plan. For instance, if you like scuba diving, sky diving or paragliding, you would like to buy a plan that covers all these; or if you are carrying expensive electronic gadgets, you’ll want the plan to cover them as well. Hence, it is always recommended to consider certain things before buying a travel insurance plan.
The following are a few of such things. Here you go:
Travel Insurance is a Lot More than Medical Coverage
Here, we want to take a pause to clarify that travel insurance covers you for a lot more than just medical emergencies. Many people worry about a hospital visit while they can file a claim for other things as well like stolen goods, broken electrical items, cancelled flights, flight delay, loss of important documents, claim against hotel booking etc. A good travel insurance policy is all about giving protection against whatever the road throws at you.
Does your Plan Cover Pre-existing Diseases?
Normally, insurance companies don’t cover treatment for pre-existing diseases. However, a few of them have started providing coverage in case of a critical illness. Hence, it is mandatory for you to check if the plan covers any pre-existing disease. And, it’s an advice to disclose in front of the insurer in advance if you have any pre-existing medical condition.
If an insurer doesn’t cover the condition, it will carry out a detailed assessment when you file a claim. If the report shows that the medical condition for which a claim was made was a result of your pre-existing health condition, then the claim is likely to be rejected right away. It also requires you to cooperate with the insurer at the time of verification with valid documents.
Consider the Limitations under Hospitalisation Coverage
What if you find the Sum Insured enough for your travel requirement, but inadequate to meet medical inflation? It is better to be careful from the beginning about all policy exclusions of certain expenses so that you do not get hiccups at the time of raising a claim.
What all are Included with Coverage for Baggage Loss
By buying a travel insurance plan, you confidently rely on the insurer in terms of coverage against the loss of baggage. While doing so, you often forget to consider the situations a travel company may deem while providing the assistance. Below are exclusions:
- A travel insurance plan only covers the loss of a checked-in baggage.
- No assistance shall be given for cabin baggage loss.
- It shall cover on-the-journey loss claims. No claim against the loss incurred during your return journey shall be entertained.
- You are required to inform the insurer about the loss within 12 hours. Besides, you may be asked to prevent bills of several items lost in your baggage.
Online Comparison is a Must while Buying
It is always advisable to compare the various travel insurance plans available online. In this way, you can compare the price and facilities offered by different plans and find out the best plan for you, which also suits your pocket. The online comparison platforms are reliable tools while choosing an insurance plan. Moreover, you can save time and money while buying insurance online because you don’t require visiting the offices of the insurers to explore various plans. Once you decided where to invest, the rest formalities can be done within a few clicks. So, compare insurance online always!
What Activities Are Covered?
As an adventurous person, you always expect your insurer to cover all the fun activities that excite you. But in reality, it is not the same. Different plans cover different activities and the list may vary plan to plan. It is you who can settle on the requirement and select the plan as per your requirements. Mind it, more the adventurous activities you add to the plan, higher your insurance rates are likely to be!
Travel Insurance is what every traveller should buy before planning a trip. You can select a plan as per the requirement. If you are not a frequent travel, a single travel plan does wonder but if travelling is your routine thing, then a multi-trip travel plan is what you need. By simply opting for an annual multi-trip plan, you can remain calm and free from all hassles. Always look for the pros and cons of every travel insurance plan, find the appropriate service provider, and choose the plan that meets your requirement. It is prudent to have a good travel insurance plan each time you are heading for a new destination to explore!
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