Travel insurance might not be the first thing you think about when preparing for a trip, but being covered and preparing the right documents for claims play an important part in ensuring that you can enjoy your travels worry-free. From choosing the right time to purchase your insurance to making sure your claims are settled efficiently, here are a few tips to help you make full use of your policy and get the necessary assistance and compensation when needed.
Purchase your travel insurance policy right after you have booked your flight
Travel insurance covers you even before you board the plane, which is why it important to purchase your travel insurance as soon as you have booked your flight. This way, you will be compensated in the event that you are unable to travel due to accidents or any incidents that happen to you or your residence.
Have your policy documents and travel insurer’s contact details at hand
In the event of an accident or loss while overseas, you do not want the additional stress of searching for your policy documents or insurance provider’s contact. Have these important details readily available and take special note of your insurance company’s 24-hour hotline service in case of an emergency.
Make sure to document damage to belongings
Should your belongings be damaged, take photographs of the items and collect report from airline as proof of the damages that have occurred. You should also check with your insurance provider to ensure that these damages are covered under your policy. Once you’re done checking, you can send your damaged items to insurer — but make sure to keep all your relevant receipts for claims submission.
Know what you are covered for
From compensation for flight delays to coverage for medical expenses overseas, each travel insurance policy has specific criteria and coverage. Make sure to read the fine print on your insurance policy and contact your insurance agent to address any questions prior to your trip.