Tips for Comparing Different Travel Insurance Plans We all know that not all travel insurance policies have the same features, benefits and prices. Some offer just a little more cover for a slightly higher cost, and the least expensive option is not necessarily the best you have. If you’re looking for the right travel insurance plan to cover you on an upcoming holiday, here are tips to help you out: LEVEL OF COVER – Obviously, this is the first thing you want to check. For example, will the policy cover you for theft or loss of your baggage, medical emergencies, trip cancellation and travel delays? Before you start comparing different plans,be sure you already know what specific coverage inclusions you want. AGE FACTOR – Age has an influence on the cost of coverage. Older people pay higher premiums.
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MEDICAL CONDITION – It is important that you disclose any existing medical condition you have to the insurer, regardless of the fact that it will boost your premiums. Otherwise, your policy is going to be voided, prohibiting you from making any claims that may or may not have something to do with the medical condition in question.
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BAGGAGE THEFT OR LOSS LIMITS – There are policies that protect you against baggage theft or loss, but don’t think that the full cost is automatically covered. The claim is often limited. EXCLUSIONS – Some items, such as electrical equipment, may not be covered by travel insurance, but you can always get that coverage as an add-on. HOLIDAY CANCELLATION – If you plan compensates you for holiday cancellation, ask how much. If you’ll be on a cruise, which normally costs thousands, will you be covered by that much? SINGLE-TRIP INSURANCE – If the plan is to take a cruise, single-trip insurance will most likely be insufficient. Your best option is none other than a dedicated cruise insurance plan. If you’ll be traveling for more than a month, cruise or not, you will still need specialist insurance. SINGLE-TRIP VS. ANNUAL – If you travel more than once in a year, annual is better; otherwise, you’ll save more with single-trip coverage. FAMILY INSURANCE – This type of policy sometimes does not cover stepchildren, so do check with the insurer. TRAVEL ADVISORIES TO CERTAIN COUNTRIES – If you insist on traveling to a country which, for some reason, your government has officially advised the public to avoid, you may not be able to make a claim. If you’re just not sure, double-check with the insurer. SPORTS COVERAGE – Regular travel insurance will probably not include coverage for sports, so if the plan is to go skiing, you’ll need a special policy for that. Getting the right travel insurance coverage involves comparing different plans from different providers. This is the only way to make you see which one is indeed the best for you.