How to choose a Travel Insurance

Why Travel Insurance

• Prepare for unforeseen emergencies• covers medical expenses, loss of baggage, loss

of passport etc

Before taking a Travel Insurance

• Consider your real need and aware of the exclusions

• Travel insurance can be bought as a standalone policy

• Some cover your travel abroad - Know the age restrictions

• Costs and coverage: 4 -8 % of the cost of travel

Before taking a Travel Insurance

• If you travel frequently buy a long term one• "multi-trip” to cover an unlimited number of

trips• Usually high risk games are excluded like

scuba diving, rock climbing• But there are some policies that covers higher

risk items such as adventure sports, terrorism cover etc

What are included

• surgery, x rays, lab work, anaesthesia, physician’s fees and emergency medical transportation

• trip cancellation reimbursement, interruption coverage, travel delays, missed connection and lost baggage

What are excluded• non-emergency visits, regular physical exams,

non-threatening allergy treatment, cosmetic surgery, hearing aids, eyeglasses or contacts

• pre-existing conditions such as an illness, disease or condition

• Generally war, participating in high-risk sports, nuclear disasters, epidemics, terrorist events and government travel prohibitions and regulations

Types of Travel Insurance

Flight Insurance • Covers Flight Crash with a hefty premiumNot AdvisableTrip Cancellation• Once in a life time cruise, it’s advisable • Insurance cover if you buy the non-refundable

flight tickets

Insurance Brokers

• Call insurance brokers. They are affiliated to different insurance companies

Advantage• You could get the best deal, because they do

all research based on your requirements

Thank You