Travel insurance is one of the mandatory things that must be owned before going on vacation around the world. With travel insurance, you will get protection against unwanted risks during your vacation trip. In Indonesia, there are many travel insurance service providers with their respective advantages and disadvantages.
Amid the many insurance products available, buy the appropriate travel insurance for potential tourists. But not to worry, here are some tips on choosing the best travel insurance.
1. Know the Protection You Get
Every insurance provider company has a different policy of benefits or protection provided. Therefore you must really know what is needed. If you already have life insurance beforehand, choose travel insurance that has benefits that are not covered in life insurance.
2. Adjust Trip Duration
The validity period provided by travel insurance is as stated in the insurance policy. Therefore it is very important to start departing on time, not earlier and not later. You must adjust the travel time according to the date stated and agreed on in the travel insurance policy.
Choose travel insurance that has an annual guarantee if you plan to travel to several places at once within a one year period, to make it more economical. However, if you only travel once a year, then you don’t need to buy annual travel insurance, because the fall will be more expensive.
3. Understand Travel Insurance Exceptions
Before policy approval, you must first have permission about things that are not covered by the travel insurance company. There are usually five things that are not covered, including (1) accidents due to alcohol and drugs; (2) deliberate accident; (3) accidents due to force majeure; (4) illness before insurance; and (5) pregnancy pregnancy.
4. Compare with other products
Before buying travel insurance, compare products with one another to make it more convincing. If necessary, ask for input from a financial consultant or travel agent. Purchase this insurance from a transportation service. This is because insurance can be neglected and scorched when companies related to it go out of business.
5. Browse Company History
Choose an insurance company that is known to be credible, trusted, and supervised by the Financial Services Authority (OJK). Make sure that the company you choose has a history of an easy claims system. Don’t be tempted by cheap premiums because usually submitting the claim process is difficult. Some recommendations from trusted travel insurance companies in Indonesia, for example, such as Allianz, AXA, ACA, and many more. AXA is the best one for giving insurance because from the experience of one of the online gambling bosses who has the site http://wmcasino.info/ has experienced plane delays and from the airline insurance provides benefits for these passengers.