Comparing travel insurance online can be challenging, especially for first-timers who are not used to using online platforms to buy insurance. There are several steps involved in finding the right policy for your needs to ensure a smooth and worry-free trip. Here’s a quick and practical guide on how you can compare travel insurance online.
Before you start comparing quotes online, gather your trip details and have the following information readily available:
- Destination: Where are you travelling to?
- Travel dates: When are you departing and returning?
- Trip duration: How long will you be travelling for?
- Number of travellers: How many people are travelling on the trip?
- Activities: What activities do you plan on doing during your trip?
Understand your coverage needs
Before booking a travel insurance policy, know what your needs are. Assess your travel needs based on your destination, trip duration, number of travellers and activities.
Your coverage may slightly differ from a standard policy depending on these factors. At the same time, look out for the following essential coverage options as they are needed in every case.
- Medical emergencies: This is one of the most important types of coverage, especially if you’re travelling to a country with limited healthcare access.
- Trip cancellation: This will reimburse you if you have to cancel your trip for a covered reason, such as illness, injury, or natural disaster.
- Baggage loss or damage: This will cover you if your luggage is lost or damaged by the airline.
Use a comparison website
Once you have determined your travel coverage needs and sorted out the travel details, start using a comparison website like Bjak, where you can compare the best flight insurance policies from top brands for free. The great thing about using a comparison site is that it saves much of your time.
So, you don’t have to visit insurers’ websites one by one. When using a comparison website, ensure that your trip details and coverage needs are clearly stated to get recommendations that are just right.
Read the fine print
Once you’ve found a few quotes that you like, it’s time to start reading the policy wording document to understand what is and is not covered. For the uninitiated, the policy wording document is a document that contains the full terms and conditions of a policy.
It contains all the details of the coverage offered, applicable exclusions, conditions and limitations. Never skip this step before selecting your flight insurance policy, as it could lead to surprises later.
Consider the price
The final step involved in comparing travel policies online is, considering the price. Some policies may offer exclusive benefits and charge a higher premium than others.
While price ultimately decides what you can and cannot afford, it’s not the only factor to consider when choosing travel insurance. Therefore, make sure you are adequately protected for your trip before deciding which policy to go for.
Things to keep in mind
Apart from the steps mentioned above, we also recommend keeping these additional tips in mind while comparing travel insurance online as they can help you in many ways.
- Look for discounts: Many insurers offer discounts for things like booking your insurance early or purchasing a multi-trip policy.
- Read reviews: Before you buy a policy, be sure to read reviews of the insurance company from other travellers. Alternatively, you can also find reviews on insurance comparison sites.
- Ask questions: If you have any questions about the coverage or the policy in general, contact the insurance company directly to seek clarification.
We hope you find this information useful. Be sure to follow Bjak’s blog for more useful information like this one. Check out our site to compare insurance quotes easily. Just click the button below to get started.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
Read more:
