Travel insurance is essential protection for both holiday makers and business travelers against unforeseen incidents while on a journey or in a foreign location. Lost baggage, illnesses and unexpected medical conditions, accidents on an excursion are but a few risks that one is exposed to while traveling or holidaying abroad. Hence, it is important to understand that a reliable insurance policy is necessary to ensure that your holiday or business trip is as hassle free as possible.
But before you purchase your policy, it is important to take on a travel insurance comparison in Dubai; just to be sure your policy covers you against all perceived risks.
A simple way to research and compare quotes and offerings is by going online. Most reputed international insurers have an online presence supported by robust IT infrastructures. This effectively enables generation of quotations, purchase of policies, reporting of claims and carrying out renewals; all online and within a matter of minutes!
A cheap insurance policy does not necessarily mean a reliable one. You may eventually end up paying excesses or additional fees should the cover not extend to specific incidents. A good practice is to list all the activities that you intend to engage in while on that holiday or business trip and ensure you are explicitly covered for those. Your insurance advisor can be a good source of information and recommendation at this stage.
When making the purchase decision, look for added advantages that come with your policy. These may include round the clock support, emergency contact options, a good network of service providers abroad, repatriation services etc. However, you should avoid opting for unnecessary covers and ensure your policy has the optimum level of protection.
For example, accidents while golfing may be covered by some but skiing accidents may be exempted. In this scenario, should a skiing accident occur and you require medical attention, the cost will be borne by you and not the insurance company. Read policy wordings carefully so you know you are fully protected. International insurance companies in the UAE provide policy wordings online and entertain customer enquiries via their online portals, call centres and email.
Once you have chosen the ideal insurance company, read the offer document carefully and make sure that it is exactly what you want while on the move. Keep a record of all contacts you would like to reach during an emergency, including the ones mentioned on the policy booklet.
Travel insurance comparison in Dubai is a good method to procure the right kind of cover for your travel. It is recommended you opt for an international insurer with a reputation and good local and international experience writing insurance. Their extensive worldwide networks and solid expertise guarantees your comprehensive protection.
by: Kinjal Shah
