Guidelines for Buyers: Buying Travel Insurance Online

Guidelines for Buyers: Buying Travel Insurance Online

The internet is the most convenient and popular tool to research and make online purchases. While it provides the convenience of doing things online with simple clicks, it can be tricky for certain products and services such as insurance.

The following guidelines can be helpful for buyers who wish to buy travel insurance online:

  • Do not blindly believe what you read on the internet or in forums. Many posts are by the agent/brokers themselves. Often these postings are done with different names. Fake postings and fake comments are not uncommon. Needless to say, these postings can be deceiving. Some stories, feedback and testimonials are fabricated and are selectively displayed on agents’ websites. You will not see any negative feedback about any product they sell or represent; instead you’ll often see negative feedback about others.
  • No insurance product is bad, whether it is IndiaHealth network (Dr Rao), ICICI, Seven Corners or HCC; they all have great products and are good companies. What is important for you as a buyer is the service you receive from the agent or source from where you buy insurance: their qualifications, level of knowledge and commitment for doing business ethically.
  • As a buyer, it’s your responsibility to understand and get educated yourself on what is covered and what is not covered. Do not get fooled by fake sales postings on the web. Focus on your need, what kind of policy you want, how much coverage is good for you, what kinds of risk you want to be covered for, and how much it will cost you. There are several policies with similar coverage and different price tag, it is wise to compare them for benefits and choose the one you find most suitable for your needs.
  • Where to buy it from: if you search for the term “visitors insurance,” you will find an ocean of websites, offering the same products, at the same prices. Always remember that there are limited insurance plan administrators and all these websites represent themselves as agents.
  • So now comes the question of “whom to trust?” Make the conscious decision based on your own feelings about the source you select to buy travel insurance online. Feedback from close friends or reliable recommendations can be helpful in your selection.
  • Do your homework: it can be difficult to understand the complex terminologies of insurance policies, do not hesitate to call the agent and clarify with them. Read policy documents yourself and get clarifications. Do not make assumptions.
  • Think practically. Every insurance company’s claims department works on one principle: take every precaution and do not pay extra or ineligible claims. As a result, filing a claim requires supporting documents and evidence, which can be frustrating at times. As a buyer, do your part; know your rights and rest assured, if the claim is legitimate it should be paid.

Happy Researching… !

VisitorsCoverage is a unique one stop shop that provides unbiased advice to acquire comprehensive medical coverage with a convenience to buy travel insurance online and compare various travel insurance for USA. Feel free to email us at support@visitorscoverage.com to find out more about the right kind of travel health insurance to suit your needs.



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