• Travel Insurance Blog

  • Tuesday, August 22, 2017

When you are traveling abroad, you need not go without travel insurance to save costs. In fact, you can save a lot of money just by choosing the right international travel insurance for you. Purchasing travel insurance can be a simple process.

When you are looking for travel insurance, consider the following: Purchasing insurance online is usually much cheaper than buying insurance through an agent. Because online comparison web sites also provide a great way to compare plans and rates, you can be assured that you can choose the plan that you want. You can save some money there.

Sometimes, with choice comes confusion. Choose the maximum benefit and deductible that you will need. What will help in this regard is doing just a little bit of spadework in finding out how much health care costs at your destination.

For example, heart surgery costs around $6,000 in India and $40,000 in the U.K. So, if you’re traveling to India, you may not need a high maximum benefit. With just some planning, you might be able to save money not just on travel and hotel, but also on travel insurance itself!

Travel tip: If there is no chance that you will participate in adventurous sports, for example, avoid purchasing the additional coverage.

Saving money on travel can start as soon as you look around for accommodation, and there is no need to skimp on travel insurance just to save a few bucks. These days, the international traveler has a ton of options to choose from, ranging from the more conventional package deals to more adventurous options such as couchsurfing.

Opting to book accommodation and your rental car along with your air travel can save you big bucks. However, remember to check the fine print, as many featured hotels are simply not as good as advertised. Travel review sites can help you get some taste of reality as far hotels go.

If you’re looking to get a feel of the local place, you could try renting a couch, or a room,by logging on to sites that help you connect with those offering informal accommodation and B&Bs. However, bed and breakfasts are not a common feature in many countries, and you might not receive the same quality of service that you might at home.

For those really cash-strapped, hostels are a great way to bunk down for the night. Not all hostels are dormitories, and for couples (yes, even those with children), there might be options that include private rooms. And that will leave enough room for savings!

Travel tip: When booking accommodation, always remember to ask about cancellation policies. Busy tourist spots sometimes do not have much penalty for cancelled reservations.

Saving on international travel, without thinking of skimping on travel insurance may seem like a good deal, but in fact, there are several other good deals that can net you a lot more savings! Especially on airfare.

If you’re looking for tickets for international flights, first things first, you’d want to look for the best rates possible. Needless to say, for many of us, the first stop is actually a comparison web site, similar to insurance comparison web sites.

When shopping for tickets, check and see if there are dates around your preferred dates for a lower price. Very often, Saturday flights are cheaper than Friday flights, and might be a good option for international flights, especially if you are taking many days off work anyway.

Also, if you have the risky streak in you, look for last-minute airfares. These are typically much lower than regular published fares, but you also run the risk of not getting good deals for your particular sector. Another way to notch up great airfares on comparison sites is by monitoring prices even after you purchase them. You might get a refund of the difference if you just ask.

Travel tip: When booking a flight online, most sites offer trip insurance as a package, along with the ticket. Be careful about selecting the insurance without reading the fine print.

These days, international travel is gaining in popularity. It’s no longer just Mexico and Canada that people talk about when they say they’ve been abroad, it’s far-off places like China, Australia, and Europe. Everyone’s looking for the best experience for minimum cost, and unfortunately, travel insurance is sometimes the first casualty.

There is, however, no need to cut down on your safety to save a few bucks. Here are some tips to save money on travel. When traveling abroad, one of the major expenses is the airfare. Here’s where some creative thinking might come in useful.

If you live in Boston, for example, flights to nearby airports might have great deals, in order to attract some travelers. Airports within an hour of where you live are good airports to choose, especially if you can get friends to drop you off and pick you up.

Also, eschew airport parking if you’re traveling by yourself, or with one other person, especially for international trips. Often, hiring a cab to and from the airport, or even using an airport shuttle service one way will help cut costs.

Travel tip: If planning to drive home after an international trip, take into consideration that you will be tired and probably jet-lagged. If you’ve visited a country where the traffic’s on the left side of the road, you might also be a bit disoriented.

When traveling abroad, we sometimes fail to keep in mind local conditions, and naturally so. Travel insurance, however, will help us when the damage is real and the claim, genuine. Some travel insurance claims may simply seem unbelievable, but they are just examples of the unpredictability of travel.

One such claim was made by a couple whose only fault was that they left the window of their cottage open when they went out sightseeing. On returning, they found that their belongings were strewn all over the room, the resort, and the neighboring forest! They claimed for damages and got reimbursed so they didn’t have to spend a fortune on a new wardrobe.

Another man was just at the wrong place at the wrong time, literally. Relaxing on a beach in Sri Lanka, he certainly didn’t imagine a coconut would fall on his head, concussing him! Although unlucky with the vacation spot (literally), the man’s travel medical insurance paid him for the treatment he received for the same.

Obviously, many outlandish claims are also rejected, but it serves to remember that these travelers were otherwise healthy, and not prime candidates for any illness. Nor did they fall ill. Also, if you notice, travel insurance is probably the reason that they are able to look back at the incident and think of it as funny!

Travel tip: Whenever possible, document loss of belongings with a digital camera, if you have one, to strengthen your insurance claim.

In a recent trend, more young graduates are taking a year off before employment in what is called a “gap year” program. Commonly called “gapping,” the program is usually international, and involves an extended stay and work in areas that are in need of help. When students travel for their gap year experience, one thing they must always keep in mind is international travel insurance.

A gap year is seen not just as a year off to cool off, but a year that can provide a young mind with focus, perspective, and valuable skills on the job. However, ever too often, the young ignore health insurance when they are healthy, and regret it when they fall ill.

If you are considering taking a gap year off, remember a few things about the insurance you would want. You want to purchase insurance at the same time as you are placed in the gap year program, or buy tickets. In that case, you are covered even if your plans don’t quite pan out.

Also remember to be completely forthright in your insurance application. If you withhold information and care caught out, you will not be reimbursed even a penny! Some gap year programs are medical in nature. Even so, you might not be eligible for free medical care at your facility—check before you decide to forego any kind of insurance!

Travel tip: When traveling as part of a gap year program, ensure that all your insurance documents are copied, and have one copy with your program manager, and one copy with you.

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