6 Simple Tips for Choosing the Right Travel Insurance

The end of the year is approaching, and itineraries and holidays have obviously begun to be prepared. In addition to compiling a mature itinerary, one thing you should not miss is to make sure this agenda is equipped with the right travel insurance.

Travel insurance itself is an insurance product that can help protect you and family members from financial losses that can arise due to unexpected problems. Well, as we all know, unlucky days are not on the calendar, so efforts to prevent this loss should be done to prevent things from happening before, during, or after the itinerary is made.

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There are 2 Types You Should Understand

Although each insurance company may offer different products to protect your trip, there are at least two types of benefits of travel insurance that you can choose from among the many benefits that exist. The first is the cancellation of the trip, and the second is the medical expenses.

Trip cancellation benefits, this benefit can help you when you need to cancel a trip for pre-agreed reasons, or have to leave early because of an emergency guaranteed in the policy.
Medical cost benefits, these benefits are more often offered and used by many people. Basically similar to health insurance, but in the context of medical expense coverage can be used when you are sick or injured on a trip that is covered in the policy.

Many Products on the Market, How to Choose Them?

Although there are so many products offered, there are main things that must be considered in choosing travel insurance. Briefly, such important points are as follows.

1. Research, Don't Miss

When choosing insurance, research is essential. Do it to several companies and products that offer insurance with the above benefits, and compare the offers, benefits, and minus values that each existing product has.

Simple mapping can help you get travel insurance that best suits your needs. If you want more valid data, just contact existing customer service, or seek information from people closest to you to get testimonials from direct experience.

2. Prepare in advance

Travel or vacation agendas are usually prepared in advance. The same is also recommended to choose the right travel insurance, so you can get enough time to consider existing products.

Preparing well in advance can help you get the necessary claim if you have to deal with the unexpected before the trip begins.

3. Really Look at the Travel Insurance

For each product you see, as much as possible look at the details of the benefits and protection provided. In general, at the same price level, the benefits provided will not differ much.

Here the role of accuracy in seeing details becomes great, because you can get insurance products that really suit your needs. Understand the benefits, pay attention to the scope of protection provided, and narrow down the existing options.

4. Don't Forget Background Check

This is important to ensure the history and performance of insurance products offered by a company. The better the track record and testimonials provided, the better the performance of the protection you will receive.

Make sure it is registered with OJK, check the official website, see incoming responses, and do further research about this company.

5. Buy Direct or Through an Agent?

Then is it better to buy directly or through an agent? When you buy directly, you can freely check the product options offered, either through the application or the company’s official website. This way, the best option can be taken from existing products.

Meanwhile, when you buy through an agent, you can get an explanation of the products offered in detail. The information obtained is clearer, and the risk of misinterpretation can be significantly reduced.

6. Look at the Time Period

In general, travel insurance only applies according to the length of the trip you will take. Protection will be obtained from departure to the time you return to your homeland.

For these details, make sure you don't read it wrong, and look clearly at the terms.

Plan Your Vacation Well, and Have a Fun!

After knowing the important points above, you are ready to choose the right travel insurance product to accompany your vacation. Basically, insurance is intended to provide protection in unwanted circumstances, so that the losses that must be received are minimal.

In the end, plan well the vacation agenda you have, and have fun because you should be able to enjoy the vacation without risk!

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That was a glimpse of 6 tips on choosing travel insurance that you need to know to help prepare for the trip that will be done. Accuracy and patience are crucial, so that the insurance you choose is really the best.

For your own travel insurance, AXA Insurance Indonesia has the right product for your holiday agenda. Both for holidays at home and abroad, AXA Insurance has attractive options. SmartTravel Domestic Insurance can be the right option for holidays within the country, while SmartTravel International Insurance will be suitable for holidays abroad. Both provide the benefits and protection you need against possible and unexpected risks*. Choose the right insurance and enjoy your vacation with your loved ones!

*Terms and Conditions according to AXA Travel Domestic Insurance and AXA Travel Insurance policies

*promo code is valid for direct purchase on AXA myPage until December 31, 2023

References:

https://travel.kompas.com/read/2022/04/22/140400127/5-tips-memilih-asuransi-perjalanan-ala-marischka-prudence?page=all
https://www.cermati.com/artikel/ingin-perjalanan-aman-dan-nyaman-lakukan-tips-ini-sebelum-memilih-asuransi-perjalanan
https://ekonomi.republika.co.id/berita/rb5y4d349/ini-tips-memilih-asuransi-perjalanan-saat-mudik-atau-travelling
https://phinemo.com/5-tips-memilih-asuransi-perjalanan-terbaik-untuk-liburan-keliling-dunia/