Buying travel insurance online is a convenient way to protect your trip and health abroad. This step-by-step guide simplifies the process, helping you compare policies, understand coverage options, and select the right plan for your specific needs.
Learn how to quickly secure peace of mind and financial protection for unexpected events like medical emergencies, cancellations, and lost luggage directly from your computer or phone.
What are the Steps to Buy Travel Insurance Online?
As more people are eager to travel to foreign countries, knowing the steps to buy travel insurance online is necessary. Here they are below:
Step 1: Visit Your Insurer’s Website or App
If you have decided on a plan, visit your insurer’s website or app. Find the plan you want to buy and click on ‘Buy Now’.
Step 2: Log in With Your Phone Number
Before buying, you have to log in with your phone number. Many websites may also accept email. Enter that and wait for the OTP. Fill in your OTP to log in.
Step 3: Enter Your Travel Details
Your next step is to fill out your travel plan details. The insurer will ask about your travel destination (the United Kingdom, the United States, etc). You also need to input your travel duration.
Step 4: Select Members
Your next step is to select the number of people travelling. You also have to input your date of birth, and in case there are more members, you need to provide your relationship with the other members.
Step 5: Choose an Appropriate Plan
Select your sum insured amount and check the details of the plans. For example, a travel insurance plan for 2 people should start at ₹2,036 (approximately) for a $200,000 sum insured amount.
Step 6: Make a Purchase
Once you are satisfied with your plan, you can buy the plan online. For that, you need to provide your PAN Card details or perform C-KYC. Once done, you can choose online banking, net-banking or UPI for a smooth purchase.
Note: These steps are general and can differ. Please reach out to your insurer if you are facing any issues.
3 Questions to Ask Before Buying International Travel Insurance
With these methods, you can easily buy international travel insurance online. Before you make a purchase, you need to know the answers to these important questions. They are:
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How Long is Your Trip?
Your trip duration is a primary factor in deciding your premiums. Therefore, before buying a policy, you must calculate that. Also, make sure to analyse whether you’re going for a single trip or a multi-annual trip.
Your premiums will be decided accordingly. For example, if you want to buy a multi-annual policy, your policy will be valid worldwide for a year and would cost you approximately ₹3,462 to ₹4,377 ($250,000 sum insured).
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What is Your Health Status?
The next important factor to keep in mind is your health status. Moreover, your age also matters as insurers view older people as high risk. While buying, you must disclose pre-existing diseases (if any) to your travel insurer.
For example, the premium for a 21-year-old for a 15-day international trip would be around ₹1,000 ($200,000 sum insured). However, the same insurance would cost ₹1,600 to ₹2,000 for someone who’s 50 years old.
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Where Are You Going?
Lastly, you must consider your destination. Your premiums will change based on the healthcare costs of your destination country. Additionally, if you wish to travel to Schengen countries, you must buy travel insurance to meet their visa criteria.
For example, for the United States, your travel insurance online premium would be approximately ₹4,200 and above ($500,000 sum insured). However, for Sri Lanka, it would be between approximately ₹1,200 to ₹2,700 ($500,000 sum insured).
The Bottom Line
In conclusion, purchasing travel insurance online is a streamlined process that offers essential protection for your journey. By following these steps, you can confidently compare options, select adequate coverage, and secure your policy efficiently.
Taking this proactive measure ensures peace of mind, safeguarding your financial investment and well-being against unforeseen travel disruptions. A few clicks protect your adventure.
