With the rising popularity of travel insurance many underwriters now allow travelers to purchase policies online. Traditionally a travel agent would recommend and set up the policy for a traveler at the same time flights and tours are booked, but travelers can now save money by booking travel insurance themselves. Before going online to purchase travel insurance, there are several things that travelers should be aware of to ensure they get the most appropriate cover.
As you will be purchasing your own travel insurance online, it will be in your hands to make sure that you understand exactly what you are purchasing, and that what you are purchasing is right for you. It really pays to read the policy wording in full before deciding on which plan to buy - this way you will know exactly what you are paying for and there will be no surprises when you need to make a claim.
When you are going through the application process online you will be asked if you want to upgrade your basic policy to include such things as additional medical which will provide additional cover if you are seriously injured or need to hospitalized in a foreign country and need to be transported back home. Then there is upgraded coverage for terrorist attacks and rental car collision protection. Consider where you will be traveling to and what activities you will be carrying out when deciding whether upgrades are appropriate for you. Any upgrades may mean an additional premium amount which will be paid at the time you complete your travel insurance application.
Purchasing your travel insurance online gives you the chance to read everything over carefully and make notes on any questions you may have. You can call the company's customer care department and ask them the questions before you book and pay for your policy. Once you are satisfied you should print out a copy of the policy and store it in a safe place with a copy of the policy wording.
When you purchase a policy online, any travel insurance claim you need to make may also need to be done online. You will need to provide proof of your out pocket expenses so save every receipt. Read your policy because many have a deadline to file any claims. Most major companies give you 90 days from the day you returned home to file and complete your claim. Once you have filed they may ask for additional information but once they are satisfied they pay quickly.
Written by Johnny Kevan, a freelance writer of business and travel articles for a number of websites and blogs. For more information please visit the website.
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