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The country where you propose to spend the maximum duration of time (during the entire trip) should be selected.

The insured’s completed age in number of years should be captured while getting a quote. However please note that some insurers calculate the age of the traveller on the date of travel, and this could result in a revised premium while purchasing the policy, if the insured has his birthday between the date or purchase of the policy and the date of travel and this results in a change of the age band.

The key factors include:

• Destination of travel. For example if you’re going to developed countries like USA, Europe, Australia, UK, it is advisable to a policy with a higher Medical Limit ($200,000 and above). This is because the cost of medical treatment in these countries is significantly higher than the rest of the world.
• Duration of travel - The longer the duration of travel, the higher sum insured for Medical expenses is recommended because the possibilities of catching an illness increase when exposed to varying climatic conditions with changing seasons.
• Reputation and the Market standing are important to keep in mind while finalising an insurance partner. Importantly, the traveller should keep in mind the capabilities of the insurance company for Travel Insurance specifically. Their ability, transparency and promptness in claims settlement and their financial strength are important factors to consider.
• Third Party Administrator (TPA) abroad. Accessibility to the TPA at the time of a medical emergency is very important. One should understand the TPA’s network of hospitals across the world and their competencies to handle a critical situation
• Activity calendar of the insured is as important as the trip itself. As a traveller if you plan to have a relaxed beach side vacation just to catch a tan, then don’t look for buying an insurance policy with an adventure sports coverage. But if you are likely to go scuba diving or snorkelling (any other adventure sport), please ensure the opt for a plan that offers coverage for Adventure Sports
• Age of the traveller is another key factor while deciding on the ideal insurance plan and premium for the same. With advancement in age, there are higher possibilities for travellers to be carry pre existing medical conditions. Most insurance plans exclude medical expenses arising due to pre existing conditions, and hence the traveller must ensure to choose the correct plan if they want the same to be covered.
• Exclusions under a Travel insurance policy are as important as the inclusions or coverages. Hence it is important for the traveller to review the exclusions prior to purchasing the policy so that they are clearly aware of what is covered and what is not covered.