How to buy travel insurance online?

Travel insurance offers instant support for unexpected medical expenses, flight delays and travel contingencies. Having travel insurance reduces stress and increases the feeling of security while in a foreign environment.

Advances in modern technology have made purchasing travel insurance easier and more affordable. Using online platforms, travelers can compare and purchase insurance policies in just a few minutes. However, before reaching this stage, it is important to choose the right insurance package based on your needs and the specifics of your travel itinerary. Do not skip the steps discussed below.

Step 1: Find out what your insurance covers

A travel insurance policy protects the traveler from many risks. Listed below are the main areas covered by insurance:

• Medical Services - The policy reimburses the costs of emergency medical treatment abroad, such as emergency outpatient and inpatient treatment, emergency surgery and purchase of medicines.
• Repatriation - If the health condition of the insured requires repatriation, the policy will cover the repatriation costs. Also, in case of death, the insurance ensures the repatriation of the body to the homeland.
• Accident insurance - refers to the payment of insurance money to the beneficiary in case of incapacity for work or death caused by an accident.
• Cancellation, interruption or postponement of the trip - compensates for financial losses caused by the cancellation, interruption or postponement of the trip, if it happened for an unexpected reason, for example, due to a serious illness or the death of a close relative.
• Baggage insurance - insurance provides financial compensation in case of theft, damage or loss of luggage, as well as compensation for the costs of purchasing essential items caused by delayed delivery of luggage.
• Flight delay - if the scheduled flight is delayed for more than 4 hours, the policy will reimburse the expenses incurred for the purchase of necessary items during the waiting period.
• Loss of passport - the travel policy also reimburses the expenses related to passport restoration and the purchase of return tickets to Georgia.
• Civil liability insurance - insurance provides for civil liability to a third party, which means indemnification of damages caused unintentionally to a third party.

Thus, travel insurance offers the traveler multiple protection and protects his financial interests in case of unexpected problems.

Step 2: Consider whether you prefer single or multi insurance

When purchasing travel insurance, the customer can choose single or multi insurance. The choice depends on your needs and frequency of travel.

Single travel insurance is ideal for people who only plan one or two trips a year and have already set dates. In this case, they can choose a policy that only covers a specific period.

Multi insurance is the best option for people who travel often. At this time, you choose yourself how many days you need insurance, you pay the amount only once and you can use the policy unlimitedly during the selected period.

Multi-insurance is very convenient and cost-effective because you don't have to buy a new policy every time, saving you time and money.

Step 3: Choose - a policy with or without a franchise?

When purchasing travel insurance, it is important to determine whether you want to take out a policy with a deductible. Deductible is the amount that the insured himself pays in the event of an insured event. For example, if your medical expenses are $1,000 and the deductible is $100, you will pay $100 and insurance will cover the remaining $900.

The existence of a deductible directly affects the price of travel insurance. If the policy does not have a deductible, it is usually more expensive, because in this case the insurance company will cover the loss in full. When traveling to a country where medical care is particularly expensive, such as the US, Japan or Australia, it is recommended that you purchase insurance without a deductible.

Step 4: Which policy do you prefer – with or without Covid cover?

A travel insurance option that provides reimbursement for medical expenses related to COVID-19 has become especially popular during the pandemic. Since there is still a risk of infection, Aldagi offers travel insurance with Covid-19 coverage.

A policy with Covid coverage automatically covers medical expenses related to contracting the coronavirus while traveling. This may mean funding for virus testing, treatment, medication, hospitalization and other necessary procedures.

Even if we decide to decline this coverage, we must take all necessary precautions to protect our health and prevent exposure to Covid.

Step 5: Consider whether you want additional coverages?

The main essence of travel insurance is protection against health-related risks, however, "Aldagi" insurance company also offers you the opportunity to cover other potentially problematic situations.

Travelers most often opt for trip cancellation coverage, which compensates for the loss of a trip postponed due to illness, the death of a family member, or some other reason.

Baggage loss and flight delay insurance are also quite demanding. Baggage loss policy covers lost or damaged items. As for the flight delay, in this case the insurance company will cover the costs of accommodation, food and transportation that arise due to the delay.