Thomas Cook Travel Insurance Online

Insurance policies can come handy in a host of situations when travelling overseas that include but are not limited to, baggage loss, loss of passport, any accidents and or any medical emergencies. Irrespective of whether you are travelling for business purposes or personal purposes such as family vacations etc. you can choose any travel insurances policies. Thomas cook offers numerous policies with varying covers, and you can choose the best one for yourself and your family. You can save time by buying or renewing the policy online. In fact, Thomas Cook Travel Insurance Online procedure is easy to navigate, convenient and saves you a lot of time.

Whenever you buy any policy online, make sure you read all the disclaimer carefully and contact Thomas Cook if you have any question or concerns. If you don’t understand the terms and conditions of your policies correctly, you may not get approval in your claim.

Thomas Cook Travel Insurance Online policies are usually valid for a period of up to 180 days. You can then extend it for another 180 days. You must renew the policy before it expires, if you fail to do so, you may have to buy a new one at a higher price, and you will also lose all benefits associated with your previous policy.

Read this: Travel Insurance – Why do you need travel insurance?

It’s always best to buy Thomas Cook Travel Insurance Online specific to the country you are travelling to; this will come handy when you are trying to file a claim. For instance, Schengen countries will not issue you a visa in the absence of a travel insurance policy and each country in the Schengen area has different specifications. So, make sure you choose a policy that will cover you in all countries, or else you may end you paying a lot of money especially during a medical emergency.

Step by Step Procedure on How to Book a Thomas Cook Travel Insurance Online.

1. Submit all your details online
2. Select the best insurance policy for yourself and your family
3. Submit all relevant travel information
4. Read all the terms and conditions as well as disclaimers
5. Make the Payment
6. Download your policy

Special Terms and Conditions of Thomas Cook Travel Insurance Online:

• Insurance holder must be an India aged between 1 and 70. He or she must have a valid bank account; if the insured is a minor or dependent, then the guardian must have a valid bank account in India.
• The insurance cover will only be valid for the duration of the trip. Any claims beyond that will not be accepted.
• Any claims related to declared or undeclared pre-existing medical conditions will not be covered.
• The term “Hospitalizing”, refers to a consecutive 24-hour stay at a hospital for treatment or observation.

Also read: Importance of travel insurance while on a trip

Exclusions in Thomas Cook Travel Insurance:

• Injuries sustained during any ballooning or aviation accidents will not be covered.
• Injuries sustained during hazardous or adventures activities will not be covered.
• Fog cover does not include any trip delays, trip interruptions or cancellations.
• Any loss due to contingencies of any common carries are is covered.
• Any loss due to employee strike or inaction of any common carries are is covered.

FAQ’s about Thomas Cook Travel Insurance Online

1. Why buy Insurance Policies?

Insurance policies can come handy in a host of situations when travelling overseas that include but are not limited to, baggage loss, loss of passport, any accidents and or any medical emergencies. Irrespective of whether you are travelling for business purposes or personal purposes such as family vacations etc. you can choose any travel insurances policies. Thomas Cook offers numerous policies with varying covers, and you can choose the best one for yourself and your family.

2. Is there any coverage on hand baggage?

Some policies do offer loss of handbag; the claim benefits may vary from insurance provider to provider. Claims about the loss of hand baggage are valid from the moment you clear airport security and until the completion of your trip. Loss of hand baggage will be treated as a loss of total baggage, check baggage included. And the claims issues will be limited to the sum insured in the policy at the time of purchase. Beware that claims about hand baggage loss, may not be covered in all policies. So, make sure you read the fine print carefully, before finalising your purchase.

3. What are baggage and personal effect loss?

Thomas Cook offers policies that include benefits that provide a claim to their customers in case of loss of baggage and personal effects. The policy covers loss in cases such as the baggage has been checked in, baggage is lost when travelling in a cab after exiting the airport, loss of baggage during layovers and transfers of airlines. The claims issues will be limited to the sum insured in the policy at the time of purchase. Beware that claims about baggage and personal effect loss, may not be covered in all policies. So, make sure you read the fine print carefully, before finalising your purchase.

4. What are the different modes of payment while buying Thomas Cook Travel Insurance?

Thomas Cook offers its customers numerous ways to pay for their policies when buying online:

• Credit Cards: You can pay using Master, Visa, Amex or any other major international credit card.
• Net Banking: You can pay via using the net banking option if your bank offers such facility.
• Debit Cards: You can pay using Master, Visa, Amex or any other major international debit card

5. If I buy Thomas Cook Travel Insurance online, when will I receive the actual documents?

When you travel insurance from Thomas Cook using their online portal, they email you all policy related documents within hours and deliver the hard copies of the same within ten working days. So, don’t hesitate in buying online as it’s a hassle-free convenient way of shopping.

Downloaded policy documents are legally valid and will be accepted when filing a claim. Make sure you have all documents available at the time of filing a claim. These documents include but are not limited to, copies of your passport, policy number, policy documents (downloaded or original) etc.

Please note, whenever you buy any policy online, make sure you read all the disclaimer carefully and contact Thomas Cook if you have any question or concerns.

6. What is Thomas Cook’s Refund Policy?

The Thomas Cook refund policy varies and depends on the terms of the policy you have purchased. Make sure you review the disclaimers carefully and read the specific terms and conditions carefully. While some policies may offer a full or partial return, others may not. If you have not read or confirmed this at the time of finalising your purchase, you may lose out on getting a refund. Refunds will not be given for policies that have been previously claimed to recover damages.

7. In case of cancellation do I need to pay anything?

Depending on the term of your policies you may have to pay a cancellation fee that may amount to approx. INR 300/-. But again, this just depends on your policy. Make sure you review the disclaimers carefully and read the specific terms and conditions carefully. While some policies may offer a full or partial return, others may not. If you have not read or confirmed this at the time of finalising your purchase, you may lose out on getting a refund. Refunds will not be given for policies that have been previously claimed to recover damages

8. What insurance policies are available for Schengen Countries?

You cannot travel to a Schengen country without a travel insurance policy, especially because its an important document that you need to get a visa. So, depending on which country you are travelling to, you choose a policy. If you are unsure, then make sure you contact Thomas Cook for further details. Usually, any policy that offers coverage of up to INR 7,64,000/ is sufficient. But then again, make sure you call Thomas Cook and confirm. You wouldn’t want something as little as a travel policy screw up your chances of securing a visa. Insurance policies can come handy in a host of a situation when travelling overseas that include but are not limited to, baggage loss, loss of passport, any accidents and or any medical emergencies. Thomas Cook offer numerous policies with varying covers, and you can choose the best one for yourself and your family

9. What is the duration of the insurance policy and can I extend the duration of my policy?

Travel Insurance policies are usually valid for a period of up to 180 days. You can then extend it for another 180 days. You must renew the policy before it expires, if you fail to do so, you may have to buy a new one at a higher price, and you will also lose all benefits associated with your previous policy.

10. If I am travelling for work can I buy an Insurance Policy?

Yes, if you are travelling for work, you are entitled to a travel insurance policy. It’s is best to but a policy specific to the country you are travelling to, and since you will be there for work you can save time by buying or renewing the policy online. Insurance policies can come handy in a host of a situation when travelling overseas that include but are not limited to, baggage loss, loss of passport, any accidents and or any medical emergencies. Thomas Cook offers numerous policies with varying covers, and you can choose the best one for yourself and your family.

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