Visitors Insurance: The Free Look Period

From medical coverage, trip interruption, and emergency assistance to evacuation, repatriation, loss of personal belongings, and, most importantly, peace of mind, visitors’ insurance or travel medical insurance covers them all. Needless to mention – all these services talk a lot about the importance of having a visitors insurance plan in light of international travel. Isn’t it? Probably, you know it well, and that’s what brings you here.

However, do you know about the often overlooked but essential feature of visitor insurance? Yes, it is the “Free Look Period.”

In this blog, we will explore why the Free Look Period is vital for international travelers and what aspects it covers. 

What is the Free Look Period?

The Free Look Period is a provision included in many insurance policies, including travel medical insurance. It essentially offers policyholders a limited window of around 10 to 15 days after purchasing the policy. During this period, you may review and understand the coverage. Moreover, as a policyholder, you get the option to cancel the policy and receive a full refund if you are not satisfied with the terms and conditions.

Key Aspects Covered by the Free Look Period

Understanding the policy: One of the primary intents of the Free Look Period is to allow policyholders to read and understand the policy document between the lines. It is more or less a tendency of individuals to purchase an insurance product without fully comprehending the terms, coverage limits, and exclusions. The Free Look Period lets travelers review these details at their own pace.

Clearing Doubts and concerns: Travel medical insurance policies can be tricky. Travelers may have questions or concerns about the extent of coverage. The Free Look Period gives policyholders a chance to reach out to their insurance provider and seek clarification on any aspects they find confusing or need more information about.

Comparison shopping: During the Free Look Period, travelers can take advantage of the grace period to compare different insurance options. They can explore various insurance providers and their policies to ensure they are getting the coverage that best suits their needs. One of the best ways to compare multiple policies is to visit a reputable and experienced online insurance broker like Visitors Guru. They are 100% transparent and reliable.

Change in travel plans: Circumstances can change. Sometimes, travel plans are altered or canceled. The Free Look Period offers flexibility to travelers, who may need to modify their insurance coverage to align with these changes.

Full refund option: What if a traveler is dissatisfied with the terms and conditions after reviewing the policy during the Free Look Period? The best part is – they can cancel the policy and receive a full refund. It ensures that travelers are not locked into a contract that does not meet their requirements.

Long story short, Free Look Period empowers travelers to make informed decisions about their travel medical insurance. It promotes transparency and fairness in the insurance industry, thus allowing travelers to tailor their coverage to their unique needs.

How to Make the Most of the Free Look Period?

Making the most of the Free Look Period of visitors insurance is paramount to ensure you have the right coverage for your international trip. Here are some steps to help you maximize the benefits of this grace period:

  • First and foremost, understand the duration of the Free Look Period. It typically lasts for 10 to 15 days from the date of purchase. Be sure to note the exact start and end dates, as missing the window may result in losing this opportunity.
  • Use the Free Look Period to thoroughly review the entire policy document. Pay attention to every detail, such as coverage limits, exclusions, inclusions, and any additional benefits. Understanding the terms and conditions is crucial for making informed decisions.
  • If there are terms or clauses in the policy you don’t understand, contact your insurance provider or online broker, like Visitors Guru, for clarification. Don’t hesitate to ask questions about coverage specifics, claim procedures, or any other aspects that you find unclear.
  • Assess your travel plans in detail. If there have been changes or you anticipate modifications to your itinerary, evaluate whether the current policy still aligns with your requirements. You may need to make adjustments to your coverage based on your updated plans.
  • Determine if the coverage provided by the insurance policy is adequate for your specific circumstances. Consider factors such as your destination, duration of stay, and any planned activities or sports that might require specialized coverage.
  • Pay close attention to the exclusions and limitations within the policy. These are the scenarios or conditions for which the insurance may not provide coverage. Ensure that you are comfortable with these restrictions, or seek alternative plans if you have concerns about them.
  • Keep records of your interactions with the insurance provider during the Free Look Period. Document any changes, discussions, or clarifications in writing, such as through email, to ensure you have a paper trail for reference if needed later.
  • If you decide that the current policy doesn’t meet your needs or if you want to make changes, take action promptly within the Free Look Period. Delays may result in missing the opportunity to cancel the policy or make adjustments and receive a refund.
  • In complex cases or if you’re unsure about your insurance needs, consider consulting with your travel medical insurance agent broker like Visitors Guru. They can provide expert guidance and help you make an informed decision.

Last but not least

The Free Look Period is a valuable grace period that allows you to carefully review your visitors insurance policy and make any necessary changes. By following these steps, you can ensure that you have the right coverage for your international trip and you make the most of this opportunity to make informed decisions about your insurance.

Connect with to get updated and information-rich content on travel medical insurance and various aspects around it. We are a user-friendly online insurance broking portal striving to provide you with a seamless experience when it comes to purchasing travel medical insurance.

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Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.