How To Extend Your Travel Insurance Policy?

Picture this, you are enjoying your vacation to one of the most exotic places. You had planned the trip for 4 days, but, the scenic beauty of the place has captivated you so strongly that you plan to extend your vacation for another 3 days and then call it a week.

To enjoy the extra 3 days, you will need to arrange for hotel accommodation, new return tickets and also extend your Travel Insurance. Yes! You need to update your travel insurance plan, if your travel plan gets changed. This is a necessary step because your extended travel insurance can cover you for your extended trip.

What is Travel Insurance Policy Extension?

A travel insurance policy extension allows travelers to extend the coverage period of their existing travel insurance plan. This is useful if your trip is unexpectedly prolonged due to emergencies, flight delays, or personal reasons. By extending the policy, you continue to enjoy protection against unforeseen events like medical emergencies, trip cancellations, or lost belongings during the extended period.

Importance of Extending Your Travel Insurance

Extending your travel insurance ensures continued protection against unexpected events, safeguarding your trip and providing peace of mind. Here are importance:

1. Unforeseen Trip Extensions: Coverage for unexpected delays, cancellations, or extended stays due to emergencies.
2. Health Protection: Ensures medical expenses are covered for extended travel periods.
3. Peace of Mind: Provides financial security against unforeseen expenses during prolonged trips.
4. Legal Requirements: Some countries mandate valid insurance throughout your stay.
5. Baggage and Valuables: Protects against loss or theft during an extended trip.Extending travel insurance ensures uninterrupted protection and a worry-free travel experience.

Eligibility Criteria for Policy Extension

Understanding the eligibility criteria for a policy extension is crucial to ensure seamless coverage and avoid any service interruptions.

1. Policy Tenure: Must be close to expiry but within the grace period specified by the insurer.
2. Premium Payment: All dues or pending premiums must be cleared.
3. Claim History: A clean claim history may enhance eligibility for extension.
4. Age Limit: Adhere to the insurer’s specified age limit for the policyholder.
5. Policy Type: Ensure the policy type qualifies for an extension.
6. Documentation: Provide valid and updated documents, such as ID proof and existing policy details.

Required Documentation for Travel Insurance Extension

To extend your travel insurance, certain conditions must be met to ensure uninterrupted coverage during your journey.

1. You must have a valid travel medical insurance policy purchased before the start of your journey.
2. Travel insurance cannot be obtained once you reach your destination without a pre-existing policy.
3. For medical emergencies requiring an extension, a medical certificate must be submitted as valid proof to the insurer.

How to Extend Travel Insurance Policy? Steps to Guide

If you have a Bajaj Allianz's travel insurance policy, then you can extend your policy in the following two scenarios:

1. Pre policy expiration

If the request to extend your travel insurance plan is made before the expiry of your policy, then it is pre policy expiration extension. All you need to do is:

1. Contact Bajaj Allianz team to inform about your trip extension.
2. You will have to fill up the 'Good Health Form' and submit it to us.
3. Your case is then referred to underwriters, who will evaluate the same and help you with your requirement.

2. Post policy expiration

If for some reason, your travel plans change after the expiry of your travel insurance policy, then the extension of this policy is called post policy expiration. you need to:

1. Contact Bajaj Allianz General Insurance team and inform about your trip extension along with the reason for extension.
2. Your case will be referred to underwriters, who will evaluate the same and do the needful.

Also Read: How Does Pre-Existing Coverage Work With Travel Insurance?

Conclusion

Having travel insurance is essential for long as well as short trips. So, always buy travel insurance online or offline depending upon your convenience. Also Checkout domestic travel insurance & travel insurance for senior citizens offered by bajaj allianz general insurance.

FAQs

Can travel insurance be extended?

Yes, travel insurance can be extended depending on the policy and provider. You may need to contact your insurer before the coverage expires to request an extension.

Can you extend travel insurance while abroad?

Yes, you can extend travel insurance while abroad. Contact your insurance provider to arrange for an extension, ensuring you have continuous coverage for the duration of your trip.

Can travel insurance be renewed?

Travel insurance can be renewed, often through the same provider. Renewal terms and conditions vary, so it's important to check with your insurer for eligibility and any changes to coverage.

Can insurance be renewed online?

Yes, many insurance providers allow you to renew travel insurance online. You can log into your account, update details, and complete the renewal process conveniently through their website.

*Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.