When you are trying to save some money on your travel insurance it may not occur to you that there are some things that you should do, and some things that you should not do. The distinction between the two could be difficult. Every person on the planet will have their own ideas of what they want, and what they expect, from a policy.
Nobody is wrong, and nobody is right. If it works for you, go for it. If it does not work, or if you are new to this racket, read through the tips below and try to get your policy set into motion on time.
DON’T do these things!
- Do not ever buy the travelers insurance on the travel sights that you have been using to plan your vacation. That is not to say that they have a bad policy, but to be honest, when you are looking through condominiums and motels, beaches and resorts, and parties galore you are not going to take the time needed to examine the documents. That is, you will check the box, sign the contract without reading it, and never think about it again. Unless, of course, you try to file a claim against that insurer that is not covered in your policy.
- When you are paying for things up front, like motel reservations, you need to know about their refund policy. We all know that things happen, and vacation plans may need to be put on hold when they do. When paying upfront you need to ask if they refund at all. If the answer is no, it would make it an expense that needs to be covered on the travel insurance.
- You will definitely need some medical evacuation coverage, but you need to analyze how much you may actually need. For example, if you are not planning to leave a large city during your trip, you will not need as much coverage as someone planning to camp out on a remote beach, away from all roads and trails.
- If you want cheap travel insurance, the way to go is by using an online comparison site, like iSelect. They will do all the work for you. All that you will need to do is match the offer that best fits you, with the best price possible. You do not want to be stuck overpaying for insurance that you do not need. Meaning that you can remove some of the extras, decrease the coverage amounts needed, and you can stay safe.
DO these things!
- You will want to compare as many offers as you can. Remember that the cheapest option is not always the best one. Compare all parts of the offers and choose the one that fits your lifestyle and plans.
- Make sure that the carrier that you are going through is able to direct you on exactly what you need. Some countries, such as Iran, require that you have travel insurance based around medical coverage. Others may not care as much about that but center more around medical evacuation requirements instead.
- Get protection against lost luggage. It does not happen as often as it used to, but it does still go on. Make sure that the coverage has enough to replace your personal items and effects, with a little extra added for inflation. Some of the travel insurance policies will have a cap of how high they cover up to, so if you have some expensive electronics, you may need an added policy.
These are some of the main dos and don’ts associated with travel insurance. Every area may require different things so check with someone that is familiar with the rules of the locations. You can usually find this information out online, but sometimes it is simply better if you pick up the phone and talk to a live person, one that knows what they are talking about.
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