A trip abroad is no longer a distant dream for many people. With increased globalisation and cheap airfare, more and more travellers are planning international vacations. However, travelling abroad brings its own set of conditions that you should be aware of. Especially if visiting European countries, don't forget to buy the mandatory Schengen travel insurance plan before applying for your visa!
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The benefits of international travel insurance are such that several countries abroad have made it mandatory to buy travel medical insurance before approving the tourist’s visa. Over 25 countries in Europe demand valid international travel insurance, better known as the Schengen travel insurance plan. It is compulsory for non-EU visitors, including Indians, to possess this insurance plan before their visa is approved.
Not just this, it should have a minimum EUR 30,000 coverage in case you fall sick or get hospitalised there. In such a case, it makes sense to read up about its exact requirements before making a travel insurance booking online.
If you’re wondering why not buy insurance directly by visiting the insurer’s office, then take a look at some of the best reasons to buy your international travel insurance online:
While it is completely your choice to buy insurance offline or online, the chances of finding the best trip insurance plan is higher if you do it online. With so many travel insurance companies in India offering a variety of plans, you can easily get overwhelmed with the options and their unique benefits.
This can be made easier if you opt for an online purchase. You can easily read about different insurers, check out public forums which have genuine reviews and find a policy without visiting one office to another.
Most travel insurance companies in India provide the facility of calculating the premium online. You can easily get an approximate idea of how much your plan will cost using a travel insurance premium calculator. This is an online tool that provides a good estimate of your insurance premium based on your journey dates, requirements and other relevant information. Moreover, you can also visit the websites of different insurers at once and compare their quotes easily.
In the case of offline purchases, you are required to fill out several forms and manually handle everything. Not to forget, you will also end up spending a lot of time and energy visiting the insurer, or insurer(s) in case you are not satisfied with the initial offers. Not just this, booking your travel insurance online is possible even when you’re short on time. You can secure your trip from emergencies by buying a policy online within minutes. All you need to do is to select the best international travel insurance plan and pay for it online.
There are so many plans available that you’re sure to find something that fits your budget as well as needs perfectly. Because there are no middlemen with online purchases, you can avoid meeting an agent or owing them a commission. Some insurers occasionally offer discounts too. Thanks to transparent documents and policy terms available online, you can make an informed choice. In case you need assistance, all you need to do is contact customer care who will easily solve your issue. Once you’re sure about which insurance plan offers the most benefits under your budget, go for it!
Consider the amount of fuel you will save in travelling to different insurers before you settle on a plan; or simply the amount of paperwork you will be required to finish just to buy travel insurance. With an online booking, you will save all these resources and contribute to a lower carbon footprint. If you insist, a hard copy can be sent to your home but a digital copy of the insurance works pretty well too. Just make sure to keep your policy number handy!
Paying in person may be difficult at times, especially if they demand cash or cheque that are first collected by your agents. While buying your travel insurance policy online, you can pick the most convenient mode of payment from the options available. Most insurers offer easy payment methods such as debit cards, credit cards, UPI, EMI among the most popular ones. There is no need to restrict yourself to a single mode of payment and go for the one that is easiest for you.
Among different myths about filing a claim, the most dreaded one is the time taken to settle any claim. Even the middlemen often portray it as a cumbersome process and swear to take care of everything so that you can simply relax. In reality, you are perfectly capable of filing a claim very easily, all by yourself. It is also faster to file a claim online. Especially when you’re travelling abroad and need to avail benefits of cashless hospitalisation, you can immediately contact your insurer who will process your documents and arrange for direct payment to the hospital.
In case of reimbursement claims, you can file for them once you’re back. All you need to do is get in touch with your insurer and keep relevant documents handy. If there is any delay, it is most probably due to a lock-in clause or some exclusion. In case of exclusions, your insurer will inform you if the claim is denied. Most insurers settle these online claims within 30 days.
Thanks to internet access and customer awareness, it has become easier to do your own research. Online insurance providers usually have a section dedicated to policy terms, brochures and policy wordings that can be read by anyone who is interested. Even if some terms may be difficult or unclear, you can contact their customer support or other available features dedicated to helping you. Just make sure to treat this task seriously and buy the plan offering you perfect coverage.