Asia Travel Plan Comparison

How to Buy the Best Travel Insurance for Asia: Things to Consider

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Many of us fall into the trap of considering travel insurance as just another formality before travelling. However, it is unwise to do or think so. This might cause you to land in a situation wherein your travel insurance for Asia falls short leading to distress, both financially and mentally. Thus, make sure you consider a number of factors while comparing travel plans for Asia before signing on the dotted line.

Country

The risks you are exposed to vary, depending on the country/area you will be visiting in Asia. Thus, it is important to choose the right amount/type of coverage accordingly. For instance, a trip to Japan, which is prone to earthquakes, your travel insurance premium is going to cost you more as compared to say, Singapore.

Medical Insurance

As a general rule of the thumb, medical coverage is the most integral aspect of any travel insurance policy. Typically, the cost of medical expenses can rise significantly when you are abroad. Hence, it is recommended that you choose an appropriate sum insured amount considering the Asian destination you are travelling to. 

Baggage and personal items cover

Typically, a travel insura​nce policy​ covers loss of checked-in baggage at the airport. Make sure you check the policy wordings for the details as well as the exclusions. It also covers personal items up to pre-defined limits depending on the travel insurance company and the selected plan. Additionally, passport loss is covered too. If you lose your passport, the insurance company will bear the cost of issuing a new/duplicate passport. 

Sports and Adventure activities

Due to high risk perception, adventure sports and related activities are not generally covered in a travel policy. That said if you plan to indulge in adventurous activities in Asia, with an add-on request you can avail such coverage, which would entail a rise in your travel insurance premium. 

Flight cancellation cover

With this cover, you will get the cost of flight tickets refunded upon flight cancellation due to reasons such as bad weather. For a better understanding of the inclusions and exclusions, go through your Asia travel insurance policy thoroughly. 

Benefits

The number and the degree of benefits offered by a travel policy vary across companies. Thus make sure to compare Asian travel insurance policies online to avail the best travel insurance plan for Asia that covers all your requirements. One 

Pre-existing diseases

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If you are having a pre-existing medical condition such as diabetes or asthma, it is crucial to make sure you are covered against them. This will secure you from the financial implications if your condition aggravates during the trip and are admitted to a hospital. However, make sure to check the travel policy wording for exclusions to pre-existing diseases.

With the above pointers in place, you will be in better position to choose the best travel insurance plan for your next Asian holiday. The basic idea is to ensure that you compare the Asian travel insurance plans and policies prudently, taking your travel needs and priorities into consideration.