How Travel Insurance Should Be Chosen Based on Destination, Trip Length, and Age

Published By: Business Standard

Published Date: 19th December 2024

​When selecting travel insurance for holidays, it's crucial to consider factors like destination, trip duration, and age. For instance, countries such as the United States and Canada have high medical costs, necessitating coverage between $250,000 and $500,000. In contrast, destinations like Europe, Singapore, or Japan may require coverage ranging from $10,000 to $50,000. Older travelers typically need higher medical protection due to increased health risks. Additionally, longer trips demand more extensive medical coverage.

Travelers should also be aware of exclusions in standard policies, such as negligence, intentional violations, or self-inflicted injuries. To address specific needs, consider add-ons like coverage for adventure activities, gadget protection, and cybersecurity, especially when using public Wi-Fi abroad. It's advisable to purchase travel insurance well in advance to thoroughly assess coverage options and avoid overlooking essential details. Relying solely on travel agents may limit choices, so exploring various options is beneficial.