If the traveler makes a yearly policy then all the trips that fall within the year will be taken care of with annual holiday insurance. The condition is that each trip shall be less than one month and should not be more than four months also. Such insurance will save you from any accident that may occur when you are on your trip. This insurance usually covers travellers from any kind of cancellation and/or deferred trips, medical emergencies, damage or loss of your asset and more such items.
Your holiday insurance comes in different packages:
• Annual
• Single Trip
• Backpacker
• Multiple holiday insurance
Clear your ambiguities before you apply for particular holiday insurance!
Do you cover pre-existing medical conditions?
If you have any pre-existing medical condition or if there is pre-existing political, ecological, or social strife in the area you are visiting, your travel insurance may not cover them.
Am I covered for any sports injuries?
If it’s risky in case of high risk activity such as mountain climbing, bunjee jumping etc. You holiday insurance policy will not cover any injuries sustained while you are taking part in sports. However, special covers for such adventurous activities are available; you can make use of them.
What happens in case of baggage misplacement?
Your holiday travel insurance covers your baggage misplacement or loss too. Do not forget to recover your baggage on time. As soon as you find your baggage missing, report it immediately.
How long will I have to wait for reimbursement in the event of a cancellation?
It’s always good to know the timelines for refunds and other money matters.
What would the limit on health care coverage be?
Holiday travel insurance typically has a maximum amount of health care coverage. Know the financial limits of your policy. You might also want to ask about up-front costs or deductibles.
Buying the right Holiday Insurance is very important and it is worth taking the time to shop around for the right holiday insurance policy that suits your needs. It is not safe to assume that the cheapest holiday insurance is the worst as some of the more expensive holiday insurance policies on the market may not provide adequate cover. Take sufficient care while make your choice.
