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What are the Benefits of Buying Travel Insurance Online?

Team AckoSept 24, 2025

Travelling abroad is no longer limited to the wealthy or frequent flyers. Thanks to affordable airfares, simplified visa processes, and the urge to explore new places, more Indians are heading overseas for holidays, work trips, or higher studies. But while booking your tickets and hotels is exciting, one essential thing that is often overlooked is travel insurance.

Travel insurance is your financial safety net when things don’t go as planned. From medical emergencies to flight delays, lost baggage, or even trip cancellations, it protects you against unexpected costs. And today, with the power of the internet, you don’t have to visit an insurance office or rely on an agent. Purchasing travel insurance online offers several advantages, including convenience, speed, and cost savings.

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Read on to explore the top benefits of buying travel insurance online and why it’s the smarter choice for Indian travellers.

Contents

Why Buy Travel Insurance Online?
Final Thoughts
Frequently Asked Questions

Why Buy Travel Insurance Online?

Whether you’re travelling to Europe, the USA, or Southeast Asia, buying travel insurance online is the quickest and most reliable option. You can compare travel insurance plans online easily, check reviews, and pick a policy that matches your trip. You can do it all within minutes.

Here are some reasons why you should book travel insurance online.

1. Hassle-Free Travel Insurance Buying Process

Gone are the days of standing in queues or filling out lengthy paper forms at an insurance office. With buying online, all it takes is a few clicks:

Enter your trip details (destination, travel dates, age, etc.)
Choose the coverage that suits your needs
Pay online securely

Your policy document is emailed to you within minutes. This instant travel insurance coverage online means you can even buy a policy at the last minute before your flight.

2. Easily Compare Travel Insurance Plans Online

One of the biggest advantages of purchasing travel insurance online is transparency. You don’t have to rely solely on an agent’s recommendation. Instead, you can compare multiple insurers side by side, check inclusions, exclusions, and premium costs, and read genuine customer reviews.

This way, you’re more likely to choose a plan that actually fits your budget and travel style.

3. Buying Travel Insurance Online Saves Time and Money

You might wonder how buying international travel insurance online saves time and money. Well, time is money, especially when you’re planning an international trip. Buying insurance online saves hours of travel to offices and back, cuts down paperwork, and removes middlemen and agent commissions.

Many insurers also offer online-only discounts, so you might find a more affordable plan than what an agent offers.

4. Instant Policy Issuance and Proof

Once you pay online, you get an immediate digital copy of your policy. Most embassies and consulates accept digital documents, so there’s no need to wait for a hard copy. Just print it out if required, or save the soft copy on your phone for easy access.

Also Read: Important Documents Required for Travel Insurance Claims

5. Multiple Payment Options

While offline purchases may limit you to cash or cheques, online booking offers flexibility. You can pay using:

Debit/credit cards
UPI
Net banking
EMI options for higher premium plans

This makes the process smoother and more accessible for everyone.

6. Environment-Friendly

Booking travel insurance online is not only convenient but also eco-friendly. You save on paper, fuel, and unnecessary travel, reducing your carbon footprint while getting the same coverage. Digital copies of policies are easy to store and access anytime on your phone or email. Plus, many insurers now encourage paperless communication, making the whole process greener and more sustainable.

7. Faster Claim Process

There’s a common belief that insurance claims are complicated. The truth is, filing online claims is faster and more transparent. If you’re hospitalised abroad, insurers can often arrange a cashless settlement directly with the hospital. For reimbursement claims, you just upload scanned documents online, and most insurers settle valid claims within 30 days.

Final Thoughts

In today’s digital world, there’s no reason to complicate your travel planning by buying insurance the old-fashioned way. The benefits of booking travel insurance online are clear: it’s quick, budget-friendly, and gives you instant coverage.

Before your next international journey, take a few minutes to compare travel insurance plans online easily and choose the one that suits your needs. With ACKO’s best travel insurance policy, you can travel stress-free, knowing you’re protected from life’s unexpected surprises.

Frequently Asked Questions

Why should I buy travel insurance online instead of offline?

Booking online saves time, lets you compare multiple plans, offers better transparency, and often costs less due to the absence of agent commissions.

How does buying travel insurance online save money?

You avoid paying agent fees or commissions, can access online discounts, and easily find budget-friendly plans by comparing different insurers.

Will I get instant travel insurance coverage online?

Yes, once you make the payment, your policy is issued immediately and sent to your email. You can use the soft copy as valid proof.

Is the online claim process reliable?

Yes. Most insurers provide online claim submission, and many settle valid claims within 30 days. Cashless facilities are also available for hospitalisation abroad.

Can I compare travel insurance plans online?

Yes. Many websites and insurers provide comparison tools where you can see premiums, inclusions, and exclusions side by side.

What if I need help while buying travel insurance online?

Almost every insurer offers 24/7 customer support. You can call, chat, or email them for assistance before, during, or after booking your policy.

Is a digital copy of my travel insurance valid for visas like Schengen?

Yes. Most embassies accept digital copies, though you can also print a copy for submission if required.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.