Traveling, whether overseas or domestically, always carries an element of risk. From lost luggage to delayed flights to medical emergencies, unexpected issues can easily disrupt a fun trip. That’s why more travelers are choosing to get travel insurance plans to cover their vacations.
One popular option chosen by savvy travelers is Ekta travel insurance. But how good is their coverage and customer service really?
This article will cover everything you need to know including types of coverage offered, actual customer feedback and reviews, and whether Ekta is ultimately worth purchasing.
Overview of Ekta Travel Insurance
Ekta specializes specifically in travel insurance products for travelers on-the-go. Their convenient online purchase options and 24/7 customer support aim to provide security so you can focus simply on enjoying your travels.
Ekta offers different levels of coverage based on the selected plan: Start, Gold, and MAX+. All plans cover basics like:
- Doctor visits for injury/illness while traveling
- Hospitalization
- Prescriptions
- Ambulance transport
Highertier plans add extras like emergency dental care, lost baggage reimbursement, and even legal help if needed abroad.
When purchasing directly on Ekta’s website, you’ll be asked to provide details like full legal name, birthdate, passport details, trip itinerary, and more. This ensures you get coverage tailored for your specific plans and requirements.
You can then easily pay via credit card on their secure payment page, with details encrypted and protected. Payment plans are also available upon request.
Once purchased, you’ll receive policy documents, ID cards, and emergency contact numbers to access benefits and assistance anytime needed 24/7 while traveling.
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Ekta Travel Insurance Coverage Offerings
Ekta provides different tiered plans based on coverage needs and budget:
1. Start Plan
The Start plan is Ekta’s most affordable option, focused on basics like:
Covered Events
- Doctor visits for injury/illness
- Hospitalization
- Testing/treatment related to COVID-19
- Prescription medications
- Basic emergency dental care (up to $300)
Notable Exclusions
- Treatment of pre-existing medical conditions
- Routine/non-emergency dental care
- Lost/delayed baggage
- Trip cancellation or interruption
With lower premiums, it’s best for healthy travelers wanting basic medical coverage in case of unexpected illness or accidents. However, with the 25% coinsurance fee, some out-of-pocket costs apply for treatment received.
2. Gold Plan
Upgrading to Ekta’s mid-tier Gold plan adds key coverages like:
Additional Covered Events
- Exacerbations of pre-existing medical conditions
- Pregnancy care (up to 27 weeks)
- Expanded emergency dental treatment
Exclusions
Same as Start plan exclusions. Upgrade to MAX+ for protections like lost luggage, legal help, and trip cancellation safeguards.
The Gold plan also eliminates coinsurance fees so all approved medical care is covered at 100% after any deductible. This makes it a great option for those with chronic illnesses or who are pregnant.
3. MAX+ Plan
Ekta’s premium MAX+ product is designed for travelers wanting truly comprehensive protections. Special upgrade features include:
Enhanced Coverages
- Emergency medical evacuation/transport home if needed
- Legal consults and bail assistance
- Lost or delayed baggage reimbursement
- Trip cancellation/interruption
- Rental equipment damage/theft
- Flight accident insurance
Notable Exclusions
Extreme adventure sports like skydiving, rock climbing, hang gliding, etc.
MAX+ also upgrades medical coverage limits significantly for more flexibility receiving care abroad if hospitalized. With the highest levels of protection against disruptions, the MAX+ brings ultimate peace-of-mind.
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Cost of Ekta Travel Insurance Plans
Ekta uses a customized pricing model based on factors like:
- Age
- Health history
- Trip duration
- Destination(s)
- Sports/activities
This means prices can vary widely. However, sample trips show costs for plans:
7-day Europe trip for 55-year old in good health
- Start: $47
- Gold: $94
- MAX+: $224
14-day Asia trip for 70-year old with diabetes
- Start: $115
- Gold: $276
- MAX+: $721
For context, Ekta tends to be around 20-30% cheaper on average versus big insurance carriers. But you do “get what you pay for” in terms of coverage depth.
Promotions like discounted packages for frequent travelers are also sometimes offered for additional savings.
How to File a Claim with Ekta
Hopefully you never need to file a claim. But if an incident does happen abroad, you’ll need to:
Step 1. Report incident/loss immediately to 24/7 Ekta hotline provided on your ID card. Early notification is key.
Step 2. Provide complete documentation like receipts, police reports (if applicable), notes from treating physicians on letterhead, and any other proof to validate loss/claims.
Step 3. A claims specialist reviews details and documents to determine validity of the claim and dollar amounts eligible for reimbursement per policy terms.
Step 4. If approved, payment is issued within 5-7 business days in most scenarios. If claim is denied and you wish to appeal, further written justification will need to be submitted.
Simple documentation and keeping the Ekta team updated should help ensure you receive payments owed quickly.
Ekta Customer Satisfaction
What about real customer experiences with Ekta travel insurance? Overall satisfaction rates are strong, based on third-party research of online reviews plus Ekta’s own internal surveys.
Positive feedback typically includes:
- Extremely easy and fast online purchase process
- Impressed with claims reimbursements for medical bills/prescriptions
- Appreciate quick claim payments once submitted
Common downsides mentioned involve:
- Lower maximum limits on medical/dental reimbursements
- Certain activities not covered that travelers assumed were included
- Some denied claims where documentation wasn’t sufficient
If you read the policy documents closely and provide prompt/complete claims details when incidents occur, most issues can be avoided based on feedback.
How Ekta Compares to Major Insurance Providers
Most veteran travelers choose to purchase plans from industry leaders like Allianz, Travelex, or Travel Guard instead. These companies may cost 25-50% more but provide benefits like:
- Higher coverage maximums (less out-of-pocket risk)
- Cancel for any reason options
- Coverage for high risk activities than Ekta excludes
However, Ekta still stacks up nicely for casual travelers on a tight budget or wanting basic secondary medical coverage layered with a credit card’s built-in protections. Just recognize coverage gaps versus top tier providers.
Is Ekta Travel Insurance Worth Purchasing?
For certain travelers, Ekta remains an excellent choice balancing affordability and key protections:
Good Fit for:
- Budget travelers or those wanting extra layer of security
- Healthy visitors not concerned with cancellation refunds
- Those with primary coverage via credit cards/health insurance
So, weigh your unique situation. Ekta hits a sweet spot on price while still handling the vitals.
Conclusion
Ekta brings reliable protection for money-savvy wanderers not requiring high limits or niche offerings. The streamlined purchase experience and helpful 24/7 support teams make it a great value insurance pick when looking to supplement an existing plan.
Just ensure you understand policy fine print and limits before buying to guarantee needed coverages.
Now that you know the full story on Ekta travel insurance, you can decide if one of their affordable plans belongs in your travel toolkit going forward. Here’s to smooth sailing on your future adventures wherever they may take you.