Travel Insurance India - An overview

There is no simple answer to that as this will vary depending on the specific needs of the traveler. It is the traveler who has to decide what is the best for him/her after reviewing their specific requirements. There are many insurance companies who offer travel insurance at competitive prices. Some of the requirements are listed down below which will help travelers made a decision.

• Good claims settlement record.
• Well-known brand in the market.
• Comprehensive coverage.
• Cost of insurance.
• No hidden clauses.
• Does it cover pre-existing diseases and if so under what circumstances?
• Good service and if customer support is available round the clock.

Yes, it is a good idea to buy a travel medical insurance after booking a flight as you are travel dates are confirmed but before your trip start.

The cost of the holiday travel insurance depends on the age of the travelers, number of the travelers, trip duration, and the country you are traveling. If you go for an group travel insurance the cost varies than buying individual travel insurance for the travelers.

The cost of medical expenses in the US are very high. It is therefore important that the travel looks for a comprehensive travel health insurance without any sub-limits. You have to keep in mind the factors while choosing the best travel insurance for USA like age of the travelers and maximum coverage. For younger age travelers there are many good plans. But for older travelers there are many restrictions and exclusions in coverage which should be kept in mind before buying the insurance.

Yes, buying a travel insurance is a good idea as it covers the policy holders for any unforeseen emergency medical and non-medical expenses. The insurance bears all your bills and makes you worry free during your trip thus avoiding the tension of clearing the bills thus avoiding burning your pocket and saving your hard earned money.

Yes all international travel insurance plans cover accident and sickness medical expenses overseas. Hospitalization medical expenses more than 24 hours is cashless while doctor visits or out-patient medical expenses is on a reimbursement basis. There is a minimum cost called deductible which the policy holder has to bear at the time of claims. Very recently some insurance companies offer plans with zero deductible where the policy holder is not required to pay anything.