Travel insurance Tips and Trick

We put in a lot of efforts to plan a vacation abroad, But, what if you got sick and injured while travelling in a foreign country or happen to lose your baggage? The sudden financial requirements that would pop-up due to such unexpected events will leave you in a worse situation.

To make your trip a safe and peaceful experience, investing on a travel insurance policy is a must. It covers you in unforeseen situations such as emergency evacuation, cancellation of the trip, loss your baggage or passport and enables you to explore and enjoy new destinations with complete peace of mind.

HDFC ERGO, one of the leading general insurance companies in India, offers a wide range of travel insurance plans that cover both the business and leisure travel. The company aims to make your overseas travel stress-free and enjoyable one and that too at an affordable cost.

However, buying HDFC ERGO travel insurance plan is not enough, here’re a few other important factors, you need to pay attention to-to make sure you’re getting the most from your HDFC-ERGO travel insurance:

Read the certification of coverage: Carrying a travel insurance plan without knowing its details will not benefit you in any case. Therefore, it is wise to know the details of your policy. Read it when you buy the plan and highlight portions that you feel are the most important to you. That way, if you have to file a claim, you can simply refer to your certificate of coverage and finish off the process quickly.

See if your travel insurance policy has a pre-existing condition waiver:

 This is something that is extremely important if you need to file a claim. Some travel insurance policies are inexpensive because they don’t include a pre-existing condition. However, to get the most from your travel insurance, make sure your policy should include a pre-existing condition waiver.

Update your policy, if your trip plans change:

 Trip dates change and that can bring additional expenses on hotels and flight cost. So, as soon as you change your plans,don’t forget to convey this information to your travel insurance company. If you miss to inform for the non-refundable parts of your trip, the insurance company can actually reject any claim,because in order to be covered, you must insure 100% of the non-refundable trip penalties. Nevertheless, if the cost of your non-refundable expenses decreases, you should contact the insurer so that they can adjust your policy and refund you for any differences in your coverage.

These are quite a few important factors that you must remember to make the most from your travel insurance policy. Truly speaking, while travelling abroad, the chances of accident, theft or other unfortunate event are increased. Even if you take all the precautions to avoid getting into tragic situations, mishaps can and do happen while you travel. For a complete peace of mind, be sure of carrying a suitable travel insurance policy before you leave home.