Travel insurance is a must have item for your trip. It can help prevent unforeseen expenses on your trip. But how can you know that you are getting the best insurance plans? What does it actually cover and how can you claim it? An insurance broker can help eliminate your doubts about travel insurance with ease.
Here are five tips to keep in mind when buying a travel insurance plan;
- Know what your policy contains.
This may seem like a simple thing and you may skip going through your travel insurance policy terms. But having a clear idea of what your policy contains can make you ready for the time when it has to be claimed. If there is any legal jargon or clause you do not understand, then you can go to your insurance provider and ask them to explain it to you. You should know what your policy covers so you aren’t unprepared when the time arrives.
- Be honest about your medical history
When filling out the medical questionnaire provided by your insurance broker, to formulate your travel insurance, you should make sure to be as honest as you can. If it is found that your information isn’t accurate on the travel insurance plan, then your claim could get denied. If there is any doubt, it is better to consider a healthcare professional.
- Travel health insurance and trip insurance are different.
It is important to understand that a travel insurance plan covers health alone. If you want an insurance for the transportation or refund for cancellation of the trip, then you need to avail them separately. There are many schemes in the market which can help you get all of this in one package. Your insurance broker can help.
- Get an insurance advisor and broker.
Insurance can be quite a complex thing. With all the schemes, plans, rates and other complex clauses present, an inexperienced person may not be able to get the best. It is wise to hire an insurance broker or advisor to help you out.
- Ask a lot of questions.
Ensuring that you understand every aspect of your insurance plan can help you be in a position of power during emergencies. This is why you must ask a lot of questions about your plan. These questions can be asked to your insurance agent or broker as well as your insurance provider.