Travel Insurance Blog
Wednesday, May 22, 2013
Buying Travel Insurance- Some TipsFiled Under: Blogging
If you’re setting off on vacation soon or you’ve already booked your winter ski break, you need to make sure you get a good travel insurance package. Buy your travel insurance as soon as you’ve made your booking in order to be covered by trip cancellation cover as well as the regular travel insurance benefits. Here are a few tips on how to buy international medical insurance for travel.
Shop around for the best price and deal. If the cover seems too cheap look at what the policy doesn’t include – it is worth spending a little extra to be properly covered. If you take several trips a year consider taking out an annual policy as this will save you money in the long run. Remember to look for the inclusion of trip cancellation benefits.
Also make sure your policy covers you for accidental injury you may cause to person or property. Taking out cover for legal expenses abroad will save you a lot of money should you get into trouble with the police while you are traveling. You need to make sure your belongings are covered and that you are insuring them for the correct value.
Check the small print before you buy. Make sure you understand what the policy covers and what it doesn’t, as this will save you stress and confusion if you need to claim. For example, you will usually have to show you take reasonable care of your belongings otherwise you may not be able to claim for a loss or theft. Most policies also don’t cover terrorism, and some do not cover adventure sports. If you are going to dive or ski, make sure your policy covers you for these activities.