10 brilliant tips for buying travel insurance

Most of us would choose to take the easy option and buy the travel insurance package offered by our tour operator, or from airline website as a part of our package deal. DO NOT fall into this common mistake. Not only do you risk spending over the odds if you do it this way, but you could be buying a mediocre policy that doesn’t provide adequate cover and isn’t best suited to your needs.

Before you buy anything, you should always contact the specialists in travel insurance policies to compare prices and levels of cover.

Then, don’t make your purchase just yet, until you’ve weighed up the following 10 points:

  • Consider annual cover

Specialist insurers offer a week’s cover for Europe at around £6, compared to just over £20 for annual cover, so buy a multi-trip plan if you are going for more than three vacations within 12 months.

  • Plan

Policies don’t automatically include winter sports cover. This may not matter if you’re planning a beach holiday now but what if you decide to go skiing later in the year? So do your research carefully and make sure you purchase the all-comprehensive multi-trip travel insurance that is worth your bucks!

Insurance comes cheaper if you buy as a couple, covering you and your spouse or partner who lives with you or as a family (check that the policy doesn’t specify that you always travel together).

  • Compare the excess charges

Prices may vary from as low as USD 16 to as high as USD 100. What you need to ensure is not cheap price, but whether the price tallies with the service you gain.

  • Don’t double up

If your home contents insurance covers personal possessions your travel insurer may discount by around ten per cent.

  • Look online

You’re likely to get the best rates by purchasing cover on the internet, rather than purchasing on the spot.

  • Check cover limits

Limits should be around £1 million for medical treatment in Europe (more for the US) and £1 million for personal liability. Check cover is sufficient for cancellation or curtailment, baggage and other single items lost.

  • Apply for an EHIC

Excess charges may be waived by your insurer if you have this!

  • Declare medical conditions

Not doing so may void a future claim; and let the company know any health issues of close relations on whom your travel depends.

  • Read the small print

Yes it is extremely boring to do, but reading the small print is the only sure-fire way to know what you are and aren’t covered for.

Top tips to make your travel insurance worth every cent
First of all, ask yourself : 'do I need cover at all'? The levels of cover in the travel insurance business vary greatly based on : personal...
Worldwide travel insurance
Making a long-haul journey around the world is very exciting indeed. But you must not forget one of the most important factors in your plann...
8 basic questions to ask before you choose your perfect travel insurance package
When booking your travel insurance, ask yourself: 1. Are you booking the recommended level of cover for your destination? 2. Are you c...
Look, before you leap on travel insurance fine print
Travellers are increasingly turning to web-based providers in search of cheaper travel insurance options - just as they have already done wi...
Why Do You Need A Good Travel Insurance
Whether it's your trip, your possessions, your luggage, or your health, travel insurance — and most important, the right kind of travel insu...
Health Care Travel Insurance Puzzle Demystified
Healthcare is perhaps the most confusing area in purchasing travel insurance. Most people think they are covered if they already have existi...
Group Travel Insurance: Does Everyone in the Group Need It?
Yes ... and no. It's not strictly necessary for everyone in your group to purchase a travel insurance policy, but you'll receive more compre...
Cruise Travel Insurance
Cruise travel insurance is a travel insurance package plan that focuses on cruise-specific concerns such as medical emergencies at sea, emer...
The Tell Tale of Travel Insurance Gone WRONG
There was a story about an Australian living and working in Thailand who accidentally let his travel medical insurance lapse. One morning, h...
Common mistakes when travelling abroad (Part 2)
Here are some other common mistakes that you might want to avoid when you are wandering the globe! 6.     Sticking to the tourist trail ...
Asia Pacific's most popular destinations
If you were looking for fun and excitement in Asia Pacific, where would you want to travel? With the right travel insurance package, you wil...
Good Travel Insurance for Travellers Over 65
It is indeed unfortunate that as your 65th  birthday comes, less and less insurance companies will be willing to offer you a good travel ins...

Sorry, comments are closed for this post.