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Home / Travel Insurance / Articles / How to Choose the Right Travel Insurance Policy?

How to Choose the Right Travel Insurance Policy?

Team AckoDec 30, 2025

To choose the right travel insurance, it is important to assess your destination, trip duration, age and health conditions, along with other planned activities. Comparing coverage, exclusions, and add-ons helps you make a confident, informed decision and stay protected against unexpected expenses.

Understanding how to choose travel insurance is just as important as booking your flights or hotels. From medical emergencies and trip cancellations to baggage loss and evacuation cover, the right policy safeguards you financially throughout your journey. This travel insurance guide walks you through the key aspects to consider, helping you select a policy that fits your travel needs and ensures a stress-free experience.

travel-insurance-tips

Contents

9 Tips on How to Choose the Best Travel Insurance Policy
How to Choose Travel Insurance Based on Health, Age, and Trip Type?
How to Choose Travel Insurance for Different Travellers?
Final Thoughts
Frequently Asked Questions

9 Tips on How to Choose the Best Travel Insurance Policy

Here are some tips for picking the right and best travel insurance policy to help you make an informed and confident decision. Look out for:

1. Determine Your Coverage Requirements

Start by assessing your travel plans, including trip type, duration, destination, and any adventure or outdoor activities involved. This is one of the most important steps in how to choose travel insurance in India, as coverage needs can vary widely. Then, carefully review the coverage offered by the policy. Make sure it includes essential benefits such as medical expenses, emergency evacuation, trip cancellation, baggage loss, and loss of passport to ensure comprehensive financial security throughout your journey.

2. Claim Limit

Before purchasing a travel insurance policy, you need to check the policy's claim limit. The claim limit is the maximum amount that the insurer will pay out for a claim. You should always ensure the claim limit is high enough for your needs.

3. Understanding and Comparing Costs

Comparing travel insurance costs is important to balance your budget with adequate coverage. To identify the best travel insurance policy, it is essential to start by assessing your budget and travel needs, then evaluating policies from multiple insurers. Evaluate premiums, coverage limits, insurer reputation, and customer service quality to ensure you receive reliable protection at a reasonable price without compromising on essential benefits.

4. Policy Duration

Always ensure your travel insurance policy covers the entire length of your trip. The coverage should start from the day you depart and end only after you return, so there are no gaps that leave you unprotected during your journey.

5. Consider the Exclusions

Never miss out on looking at the exclusions of the policy that you are willing to buy. It is essential to understand what is not covered in the policy. Moreover, ensure that you read through the exclusion to check if pre-existing diseases are covered or not.

6. Read the Fine Print

One of the key aspects of how to choose international travel insurance is knowing exactly what your policy includes. Always read the fine print before purchasing, as it helps you know what is included, what is excluded, and ensures you understand what you are signing up for.

7. Check for Additional Coverage Options

Ensure that you look for additional coverage, which can be beneficial for your trip. For instance, ACKO Travel Insurance offers you adventure sports and bounced booking add-on coverage to safeguard you from medical expenses caused due to adventure activities or loss of finances due to bounced hotel or flight bookings.

8. Flexibility of Plans

When buying travel insurance online in India, you need to be flexible. Your policy should be able to change easily to fit your changing travel plans, destinations, and coverage needs. For instance, ACKO Travel Insurance lets you change your coverage and add extras, which makes it easier to stay safe and protected while you are on your trip without any extra trouble.

9. Check Online Reviews

Spend some time browsing through customer reviews. This will let you know how supportive the insurer really is when it comes to fulfilling their promise of providing financial assistance in case things go wrong on a trip. Therefore, never miss checking online reviews

How to Choose Travel Insurance Based on Health, Age, and Trip Type?

Choosing travel insurance based on health, age and trip type ensures that your policy aligns with your risk instead of falling short. This section further simplifies how to choose travel insurance based on personal factors.

1. Health Factor

If you are travelling to countries like the USA, medical expenses can be expensive. Therefore, when visiting such places, consider a ₹89,56,000 ($100,000 or $250,000) sum insured. Additionally, you should also check for pre-existing disease coverage and the availability of network hospitals in your destination.

2. Age Considerations

If you are a solo traveller, you can opt for ₹44,80,955 ($50,000) sum insured. Moreover, for people above 60 years old, opt for senior citizen travel insurance with ₹1,79,23,395.40. ($200,000). Always consider purchasing from a reputable insurance company.

Trip Types

Single Trip Travel Insurance: Select a single-trip travel insurance for your budget-friendly trip. It protects you for a certain amount of time. It includes medical and baggage-related covers under one comprehensive plan.
Multiple Trip Travel Insurance: You can choose multiple-trip travel insurance if you are a frequent flyer. It will cover all your international trips for the entire year.
International Travel Insurance: If you are planning your next international trip, consider international travel insurance. This will protect you against medical emergencies, lost luggage and flight delays.
Adventure or Sports Trips: Adventure trips come with high risk; thus, consider insurance that offers you coverage for adventure sports and high accidental protection.

Looking for the best travel insurance plan that covers all of these? Choose ACKO Travel Insurance today and customise your plan as per your needs.

How to Choose Travel Insurance for Different Travellers?

We understand that each traveller has different needs and purposes for making a trip. Here’s how to choose travel insurance based on your travel style:

Student: Prioritise medical coverage and study-related add-ons.
Solo Traveller: Ensure emergency evacuation and 24/7 assistance are included.
Senior Citizen: Check for pre-existing condition coverage and higher medical limits.
Family: Consider policies that cover all family members under one plan.
Adventure Traveller: Make sure your activities are included in the coverage.
Group Traveller: Check if it protects all members in a trip with one plan.
Business Traveller: Consider policies that protect against flight delays.

Schengen Country Traveller: Check the list of Schengen Countries it covers and if the policy is valid across all 29 Schengen countries.

Final Thoughts

Now you know that travel insurance is not an option, but a necessary tool to safeguard you from sudden financial losses. Therefore, understanding how to choose travel insurance helps you assess your risks, compare coverage, and select a policy that truly matches your travel needs. By evaluating benefits, exclusions, and flexibility, you can travel with confidence and peace of mind.

So, as you plan your next international trip, consider getting travel insurance from ACKO to ensure you have the essential coverage and support you may need along the way.

Frequently Asked Questions

The most common queries about how to pick the best travel insurance have been addressed in this section.

Why is travel insurance important?

Travel insurance is essential because it provides financial protection and peace of mind against various unforeseen events. Whether it is a sudden illness or loss of baggage during your trip. Travel insurance is the only tool that can help you from sudden events

Can I buy travel insurance online?

Yes, buying travel insurance online is quick and convenient. Most insurers allow you to compare plans, review coverage details, and complete the purchase digitally, all from the comfort of your home.

When should I purchase the travel insurance, before the trip or after?

It is mostly preferred to purchase travel insurance at the same time as you book your trip. Ideally, you can buy travel insurance within 14-15 days before your trip begins. This will help you get the best benefits, and you can be financially compensated for your trip cancellations.

I'm only taking a domestic trip. Do I still need travel insurance?

While travel insurance is not strictly necessary for domestic trips, it can still provide valuable coverage in case of unexpected events. These unforeseen occurrences include things like travel cancellations, medical emergencies, and lost or stolen property.

Can I purchase travel insurance if I am suffering from a pre-existing medical condition?

It depends on the type of policy you are choosing. Some policies include coverage for pre-existing conditions, and some exclude this condition. Therefore, to find the correct answer and to determine whether the travel insurance covers a pre-existing medical condition, check policy exclusions.

How do I compare the different policy plans?

To compare different policy plans, you need to determine your destination, along with your budget and financial goals. Additionally, you also need to understand the premium, sum insured, claim settlement ratio, add-ons and the network hospitals it covers. Also consider expert advice for better plans.

Can I extend a lapsed travel insurance policy if I missed the renewal date?

In most cases, insurers may allow an extension within a short grace period, usually up to three days, provided no claims were made under the expired policy. However, approval depends on the insurer’s discretion and applicable terms and conditions.

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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 consult an expert before making any related decisions.