There are several types of travel insurance in the market today, but most of them provide coverage against emergency costs while on a vacation as well as against unforeseen cancellation of trips. Here are a few points one should keep in mind while inquiring about travel insurance.

Ask the insurance agent about what is excluded from the coverage and if it can be included at an extra cost. Also inquire about any deductibles in the policy and if you have a choice of different levels.

One of the most important points to inquire covers the various steps of filing a claim. Find out what proofs are required to claim reimbursement and how long does it generally take to process a claim.

It is essential to have a toll-free, round the clock phone number of the insurance company so that you can reach it from any where in times of emergency.

You also need to clarify from the agent whether the policy will cover multiple destinations or if you will have to take out independent policies for each region or country. However if your vacation is limited to one destination, find out if the company offers a tailor-made insurance policy like for ski-vacationing or cruising.

Finally, inquire if your policy offers extended coverage for other members of your family.

-Kalyani Mookherji