Traveling abroad has a lot to offer, from exciting adventures to relaxing on a serene beach. With almost all travel restrictions being lifted, now is a great time to travel around the world. There are several things on the to-do checklist; however, one thing one should not forget when traveling is to get travel insurance.
This is because while traveling has a lot to offer, it also brings several risks that can negatively impact your travel experience. Let us get into the details and explore all you need to know about buying the right insurance for your needs.
What is travel insurance?
Travel insurance is the financial protection offered to travelers, safeguarding them from risks associated with traveling. While several of these risks exist domestically as well, it is exacerbated when traveling abroad as at home, people have support systems and know how to do things, which might not be possible abroad.
These risks arise from unexpected circumstances, from losing checked-in baggage to missing a connecting flight or medical emergency to third-party liability. Having insurance while traveling can protect you from these and many other risks lurking in the background.
What is the benefit of having insurance while traveling?
While the primary benefit of having insurance while traveling is to offer financial protection, there are also additional benefits that need to be considered. These include ensuring the availability of quality care, the ability to avail several services otherwise restricted, entry into more than 30 countries that mandate health insurance, and most importantly, peace of mind when traveling with loved ones.
Other than these, there are tangible benefits in the form of coverage offered to the traveler. These coverages vary in terms of the degree of coverage, the exclusions, special conditions to avail them, etc. However, one can opt for a few common coverage benefits when purchasing insurance.
- Loss Of Checked-In Baggage
- Medical Emergency
- Missing A Connecting Flight
- Personal Accident
- Trip Delay, Cancellation, Or Interruption
- Loss Of Passport Or Other Essential Documents
- Personal Liability
- Maternity Coverage
- Loss Of Business Equipment
- Dental Treatment
Where can you get the best travel insurance?
In my experience of traveling to more than a dozen countries, I have seen that the travel experience can vary greatly depending on whether you have a traveler’s policy and are confident about the protection. One might or might not be hit by the effects of these risks while traveling, but being adequately protected through insurance can provide much-needed peace of mind.
To that end, Niva Bupa offers one of the best travel insurance in India. They provide more than 40 coverages in carefully curated plans for all kinds of requirements, whether you are a tourist, student, business traveler, or otherwise. Furthermore, they also have one of the country’s fastest and best claim settlement ratios.
Steps to buy insurance for travellers online
Purchasing insurance for traveling in 2023 is quite easy. There are dozens of insurance providers to choose from, but once you have decided on one, you can go ahead and purchase it online.
Here are the steps I followed to purchase insurance from Niva Bupa online:
- Visit the website of Niva Bupa and click on Travel Insurance in the header.
- Once on that page, input your destination countries, departure and return dates, and phone number, and click on next.
- You will then be asked to enter the traveler’s details and press next.
- On the next page, you will be shown three curated plans and the ability to choose the sum insured and see the preview of the premium price.
- Once you have reviewed the plans and chosen what best fits your needs, you can fill in all the necessary details, purchase it directly, or request a callback if you still need to decide.
Traveling abroad has a lot to offer in terms of both experiences and learning. Armed with the knowledge of how to buy travel insurance, you can follow these steps to ensure the well-being of your loved ones while traveling. Thus, traveling with peace of mind and focus on enjoying your trip instead of worrying about the risks associated with traveling.