Planning for Overseas Holidays? What About ?

Holiday season is on the cards. So, are you going to travel abroad this time? If yes, then do not miss in any case. The rates have gone dirt cheap and you can easily get a good level of coverage at the payment of a few hundred rupees. Yes, that’s true.

Sample this: A plan of USD 50,000 for a trip to Australia, Belgium or Malaysia can be taken in just Rs 397. Royal Sundaram, India’s leading general insurance company, is providing this facility at such a low cost.

The rates of premium are more or less the same for several countries other than the United States (US) and Canada. But even for the US and Canada, you can get a plan of USD 50,000 in just Rs 600.

If you double the coverage to USD 1,00,000, you just need to pay Rs 150 extra. That’s the kind of benefit, general insurance companies are providing to you these days.

Thanks to the highly competitive yet healthy environment created by the Insurance Regulatory and Development Authority of India (IRDAI) that general insurance plans in India have become so affordable.

There was a time when travelling to foreign countries was so mind boggling. Many countries are notorious for theft and loot. People lose their luggage during the travel and end up facing several issues.

But with , you can easily secure yourself and your belongings. The peace of mind comes with a cost and that cost has gone negligible. So, why to ignore it and travel without insurance?

There are incidents wherein people have lost their laptops from their side. Recently, a sales director of a consulting company was travelling to Switzerland lost his bag carrying expensive camera, cash, etc. from the airport. That was truly shocking to him. The bag could not be traced by the airlines and the police, and he had to suffer a loss to the tune of Rs 1 lakh. Alas, he did not buy this time.

Every time, he bought and since nothing unfortunate happened, this time he decided to save some money and forget about insurance.

This can be tempting to a lot of people. But remember that unfortunate incidents do not come calling. You have to stay alert and conscious. There are many things, which are not under your control. Loss of baggage is one of those risks. Thus, it is advisable to take general insurance each time and every time. There should not be any second thought about it.

Especially, during the holiday season from March to September, airports deal with excessive number of people and things tend to go wrong. You may be lucky sometimes but even if something happens even a single time, then several times of what you saved by not buying can be lost in a few moments.

It is better to be pound wise and penny foolish, than the other way around. Isn’t it?

These days, all online travel portals offer you plans on buying tickets from them. But no worries, in case you skip buying it from them or buy through any other mode. You can buy plans online, in a few minutes. It is very easy and fast. You can even buy it at the last moment – at the airport or from within the cab while travelling to the airport.

Why Travellers Need To Compare Services

Travelling is an exciting activity most individuals opt for. By travelling, individuals can check out new places and destinations. They can also try out new activities and taste different types of cuisines from different locations in the world. And, travelling especially with the whole family can provide individuals relaxation and sufficient time with their loved ones. However, before planning a weekend or a holiday vacation, it is essential to get .

As of now, individuals can opt for from numerous companies. Apart from that, individuals can also choose from different types options. Because of this, there are issues that may arise that can affect your travel. To deal with these issues, travellers need to compare services. And, the easiest way is to go online and look for companies that provide services online. By doing so, travellers can enjoy the following advantages.

To match their needs

When it comes to , individuals can opt for different types. By comparing insurance from multiple insurance providers, travellers can find the right insurance that can match their needs. This is important to ensure that your travel is safe and comfortable.

To get the most out of their money

Comparing will also allow individuals to get the most out of their money. This is essential since there are some insurance that are quite expensive, but do not provide the right services you need. For instance, there are cases when health issues may occur during your trip. Unfortunately, some insurance do not cover such issues, which can affect your trip and your well-being.

To know more about insurance policies

Another advantage of comparing is individuals can obtain better insights about insurance policies. Surely, there are lots of insurance providers to choose from. And, these providers offer different insurance options. By comparing, you can easily know which provider can provide the right option that can suit your needs.

To find the right insurance provider

Lastly, comparing can also help individuals find the right provider. Most providers give insurance for a single trip. However, reliable insurance providers can provide you with annual insurance. In this way, you can cut down your expenses and reduce tasks when planning for a trip.

With all these, travellers can be sure that their trip is safe and comfortable since they have the best and most effective that can suit their needs. Click here for more.

– Got You Covered

Planning to be traveling soon? Should you buy ? It’s a tough call whether spending the extra money is worth it. Are you over 50? goes up significantly as you get older. If you’re spending a lot of money on a trip, is a must.

Coverage

covers these basics:

  • Trip Cancellation Or Interruption
  • Medical
  • Emergency Evacuation
  • Baggage
  • Flight Delays and Cancellations

– What Does It Mean For You?

Trip Cancellation refers to canceling prior to your trip whereas trip interruption refers to a problem during your trip. What if you or one of your travel companions gets hurt or sick and you need to cancel your plans. This is where comes to the rescue.

What if you have a medical emergency? Think you’re covered by your medical insurance? You might be. But most medical insurance policies don’t cover you outside of the United States. Medicare never covers you when traveling abroad. Find out if you’re covered when traveling to your next destination.

What happens if you do sick and need to be airlifted? Or you need medical care on your flight home. This can be very expensive.

Have you arrived at your destination just to find that you have no luggage? What if you’re ready to board a cruise? Now what? will pay for essential items until your luggage is found and delivered to you. What if it never shows up? Make sure to have a list of items that you packed for your trip. Better yet, keep as many receipts of these items as you can. If your luggage was stolen, make sure to file a police report. This will help in making an insurance claim.

Did you get to the airport just to find out your flight has been delayed? What if the delay causes you to miss your connecting flight? will reimburse you for hotel stays and meals while waiting to get out on the next flight. But what if your flight leaves on time and you get held up in traffic and miss your flight? You probably won’t be covered.

– Do I really need it?

Check with your homeowner’s policy. It may already cover such things as lost luggage. Be sure to check the maximum amount of coverage as it may be limited in the payout. Check your medical insurance and find out what is covered when you’re traveling away from home. Verify if you’re covered when traveling abroad. Finally, check your credit card coverage. Some credit cards will provide a limited amount of insurance if the trip was booked with their credit card. If you have an airline’s credit card, check with their coverage. They may have better coverage if you’re traveling with them. But credit cards may not cover you being airlifted back home. Both health insurance and credit cards don’t usually cover travel emergencies.

Once you decide you need , read the fine print. Check to see if there are any time limits concerning the purchase of insurance prior to your trip. Find out if the entire length of your trip is covered. Make sure your destination is covered. If the government is warning you not to visit a particular country, you may not be covered if you go there.

What if you get sick? Make sure you list all medications you’re currently taking. Failure to do so could invalidate your policy. What if a family member back home gets sick and you want to cut your trip short. Most policies don’t cover this unless it’s a death in the family. There is an option called “cancel for any reason”. If you have older relatives back home, you may want to consider this option for peace of mind. This would allow you to cut your trip short and return home for any reason. Even if you just changed your mind and decided not to go.

Check the fine print and decide if purchasing is right for you. You may be glad you did!