Looking at travel insurance from the core , it is a plan that provides financial compensation for those who encounter unexpected events raging from accidents , travel inconveniences such as flight or a luggage delay , damaged or lost baggage and / or emergency medical treatment .
Points To Consider When Choosing Travel Insurance
If you have often traveled without travel insurance or if you are currently planning for an upcoming getaway, the following pointers to consider when choosing travel insurance may help you better .
1- Global Connection
Your travel insurance should ideally be one with global affiliates and network , so as to ensure you're covered regardless of your location worldwide .
2- Worldwide Brand Recognition
Choose a travel insurance brand that is recognized immediately across the world . In times of emergency whilst abroad , instant brand recognition comes in handy when you require timely assistance .
3- Reputable Claims Handling
Ultimately for all insurance companies , excellence is judged by their claims handling efficiency and this is particularly important for travel insurance .
Choose a plan which fits your budget for the type of benefits you are seeking as the pricing mechanism of travel insurance plans are generally based on the coverage ( sum insured ), duration of the trip and the furthest destinations .
Some aspects of the travel insurance plan , such as coverage for potential terrorism threat , are not standard features . It can be added on if required by the traveller ( subject to additional premium payable ) . While this additional requirement depends on your travel destinations , insurers like AXA do offer it a benefit at no extra cost .
4- Pricing
Choose a plan which fits your budget for the type of benefits you are seeking as the pricing mechanism of travel insurance plans are generally based on the coverage ( sum insured ), duration of the trip and the furthest destinations .
5- Value Added Benefits
Some aspects of the travel insurance plan , such as coverage for potential terrorism threat , are not standard features . It can be added on if required by the traveller ( subject to additional premium payable ) . While this additional requirement depends on your travel destinations , insurers like AXA do offer it a benefit at no extra cost .
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