Is Buying Travel Insurance Online A Good Idea?

Is Buying Travel Insurance Online A Good Idea?


You wouldn’t want anything ruining your perfectly planned trip, right? Everything needs to be perfect and hassle-free – just the way you envisioned it. Hence, any travel plan should also include travel insurance. Numerous airlines offer travel insurance as a perk for frequent flyers. Most insurers cover medical issues and other situations like cancellations and baggage loss. The topic of whether it is wise to get online travel insurance is one that most travellers struggle with. Online purchasing might be smart due to a few characteristics, but the decision is yours.

No Middlemen

No agent is required for internet purchases. Most insurers now offer all the information you require on their websites, enabling you to make an informed decision free from any influence. Agents may omit key details to close a transaction while they visit you to discuss the advantages of a policy, assist with the completion of forms and collect your cheque. Making claims may become problematic as a result of this.

If you’re unsure how much insurance you require, an online travel insurance premium calculator helps quickly determine the right protection and premium payment level.


You will need to do many things as you prepare for your trip, from shopping to locking up your house. You might not have time to personally see or even meet with an insurance provider because of all the errands you must perform. On the other side, you can finish the process of how to purchase travel insurance online from almost anywhere. Thanks to technological improvements, making payments and filling out forms has never been simpler.

Low-Cost Premiums

Because no middlemen are involved, online travel insurance typically costs less than those bought offline. This indicates that agent commissions are not included in premium amounts. Since you will be directly entering your information into the system, lower administrative costs are another element that lowers the price of your insurance.


With an offline purchase, regardless of the payment method, you must complete physical forms manually entered into the system to determine the premium amount. The agent will then get back to you with the insurance cost for your choice. You can easily avoid all this back and forth with an online purchase. You can also acquire the most recent quotes, which will help you make an informed choice.


Numerous websites provide a comparison of the different travel insurance plans provided by the main competitors. You can browse and contrast the premiums and additional support various insurance firms offer.


Agents and brokers frequently paint the procedure as drawn-out and annoying while promising to do the “running around.” However, you can resolve disputes both offline and online. In actuality, online settlement is far quicker and simpler. If a claim is delayed, it is probably because of one of the policy’s provisions, like a lock-in clause or an exemption.

Make sure you know what travel insurance is mandatory for which countries.

All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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