Simplify Your Travel Back Home This Ramadan! ft. Finding the Right Travel Insurance

The start of Ramadan surely brings a lot of excitement, especially the eagerness to travel back home and a pang of nostalgia as you remember how you celebrate Iftar with your family. As you plan your trip back home, gather all the gifts your family and friends love, and pack your bags, don’t forget to buy travel insurance for a smooth journey.

While we’re sure you can take care of the remaining things wisely, it’s still a wise decision to get travel insurance. Let us help you with some practical tips to find the right policy for your much-awaited trip. 

Make the Purchase Right After the Booking

Once you have bought your tickets for home, buy a travel insurance policy right away. Leaving it to the last minute will lead to fewer options and of course, higher premiums. By buying the right insurance at the right time, you can get optimal coverage for trip cancellations, and visa delays. 

In fact, by buying a few days or weeks before your trip starts, you can even be covered for emergencies that occur before departure. 

Understand Your Requirements

The next step is to analyse your requirements —

1. Does your home country cover healthcare costs?
2. How many people are travelling - is it just you or your entire family?
3. Are there any connecting flights that need attention, or is it a direct flight?
4. How long do you plan to stay?

Compare Plans Rather than Buying the First Policy You See

This is one of the most bizarre moves many travellers make when getting an insurance policy. Always compare plans — don’t go for the first plan you see! Check multiple plans for their coverage scope, the extent of trip they cover, inclusions and exclusions, and what add-ons are available to make the policy more comprehensive. 

Hacks to compare plans like a pro

• Check coverage limit, not just the premium
• Review inclusions and exclusions carefully
• Select a plan that is suitable for a festive travel rather than a generic coverage
• Understand the claim process and its functionality

Read the Reviews for Informed Decisions

Consider checking online reviews from other travellers and what they have to say about the plans you are planning to choose. This helps you narrow down your options and choose the most suitable plan. 

Understand the Claim Process before the Final Purchase

Before buying the plan, know the claim settlement ratio of the provider. Also, get an idea about how the claim works for different insurers. Find out more about the required documents, timelines, and contact details. This makes it easier to file a report promptly when needed. 

These practical tips will help you travel back home and spend the best time with the dear ones while your flights and baggage are covered by the right travel insurance policy.