Years ago, travel policies could only be purchased from offline agents and flight insurance companies directly. But thanks to modern technology that makes online travel insurance a reality.
We all know why travel insurance is important and purchasing them online offers several advantages compared to the traditional methods stated above. Here are five reasons why online travel insurance can be considered better.
Convenience & accessibility
The most rewarding experience you get when you procure your travel insurance online is convenience and accessibility. You get to explore, contrast, and buy insurance plans from any location and at any hour, using a computer or mobile gadget. This ease of access removes the necessity for physically going to insurance offices, thus conserving time and energy for travellers.
Immediate coverage
Besides, you can also get immediate coverage online whereby your policy documents will be sent straight to your email. This grants you instant access to vital information. This rapid processing guarantees that travellers are protected against unexpected events before their journey commences.
You’ve probably seen this when purchasing travel protection directly from flight companies where they email you booking itineraries together with other documents such as a travel insurance policy.
Cost-effectiveness
Internet-based travel insurance may offer cost advantages due to reduced overhead costs for insurers. Furthermore, comparison tools and online-exclusive discounts can assist travellers in discovering more budget-friendly policies that cater specifically to their needs.
For example, travellers can enjoy huge savings and special deals that won’t be readily offered by an offline agent. With the availability of online platforms, travel insurance policies can be purchased within one’s budget.
Comparison & customisation
There is no doubt that online platforms make comparing and customising insurance policies so much easier. Much like car insurance, people can evaluate coverage options, premiums, deductibles, and additional benefits offered by different insurers for travel protection too.
The ease of comparison and customisation of online alternatives supersedes a traditional method because changing a policy would require much less time and paperwork.
Hassle-free claims process
Many online insurers offer a straightforward and user-friendly claims process. So, the claims process is often hassle-free and much of policyholders’ time.
This user-friendly procedure allows for claim submission online, including uploading necessary documents and tracking the progress of claims digitally. Since it’s a streamlined process, the results for claim settlements are faster compared to over-the-counter submissions.
Final thoughts
While online travel insurance offers numerous benefits, as a traveller, you should always carefully read policy terms and conditions to understand coverage limitations, exclusions, and any specific requirements related to your trip.
For complex or specific travel needs, we suggest consulting insurance experts who can provide tailored guidance. Alternatively, you can reach out to Bjak customer care representatives who will be able to advise you on purchasing the ideal travel policy.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
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