Cheap Travel Insurance Tips
Everybody loves to take a relaxing holiday as it helps to recharge your batteries and relieve the stress of working life. However you do not want an accident or unfortunate incident to ruin your holiday and this is where having the right form of travel insurance comes in very handy. It is essential that you know what you are looking for when choosing the right type of travel insurance for your needs and the following tips will go a long way to helping your decide on the best policy for you.
- Get The Right Travel Insurance For Your Needs Add Comments
There are many different types of travel insurance cover available on the market now such as backpacker travel insurance, business travel insurance, adventure travel insurance, domestic and international travel insurance. So it is very important that you choose the right type of cover for your particular needs, to ensure that you are not paying too much but are still covered for anything unfortunate that happens on your travels.
- Ensure Your Travel Insurance Covers Adventure Activities Add Comments
If you are planning on doing any sort of thrilling sports like skiing or adventure activities like bungy jumping on your holiday then make sure that you get an adventure travel insurance policy that covers you for these things. This is because many of the more basic or cheap travel insurance policies will not cover any accidents or medical expenses resulting from so called 'dangerous activities'.
- Compare Travel Insurance Quotes Online First Add Comments
The best place to obtain and compare cheap travel insurance quotes from different companies is online. You can even compare the discount rates for the different types of travel insurance policies that are available, but always read the terms and conditions of each policy to make sure that you are comparing apples with apples and are definitely covered for the type of travel activities that you will be doing. If you are unsure about any of the policy fine print then this is the time to call the company and clarify these issues before you purchase any form of insurance.
- Always Take Out Travel Insurance After Booking Flights Add Comments
If you are going to be taking out travel insurance for your travels then you should always take out the travel insurance immediately after you have booked your flights and accommodation. This is because a lot of insurance claims are for unforeseen cancellations before you even leave, so you might as well be covered right from the start as the insurance costs the same amount no matter when you take out the cover.
- Check If Your Credit Card Provides Free Travel Insurance Add Comments
Some credit cards will provide you with free travel insurance as an added benefit if you purchase your flights and/or accommodation on the card. This can save you money because you will not have to purchase a separate insurance policy, however make sure that you read the fine print of this free travel insurance because some of them have so many catches and clauses that it pretty much makes the policy worthless.
- Get The Right Travel Insurance Policy For US & Japan Add Comments
Whenever you are travelling to countries like the US or Japan, which have no public health system and the cost of medical treatment is high, you will need to ensure that you have a good travel health insurance policy. You should check in the policy documentation that there is no limit on medical expenses because you can easily rack up $1000s even if you have a minor accident and have to go to hospital.
- Always Check The Limitations Of A Travel Insurance Policy Add Comments
Always be aware of the limitations and restrictions on your travel insurance policy so that you are not caught out when something goes wrong. For example some insurance companies will not pay out if you leave your bags more than 2 metres from you as they are then deemed 'unattended in a public place' and other companies do not cover you for the loss of jewellery unless you are actually wearing it.
- Get A Police Report If Something Is Lost Or Stolen Add Comments
Whenever you are travelling or backpacking and something unfortunate does happen then you should always make sure that you contact the local police and get them to give you a police report. This is because most insurance companies will not allow you to make an insurance claim without having a police report stating what has happened.
- Consider Taking Out An Annual Travel Insurance Policy Add Comments
If you plan on taking 2 or more holidays or business trips in a year then you should compare the cost of taking out long term or annual travel insurance as opposed to getting multiple single trip travel insurance quotes. The benefit of taking out an annual travel insurance policy in not only that it will save you money but also that you will be covered for long weekends away throughout the course of the year.
- Ensure You Know What Constitutes Lost Luggage When Travelling Add Comments
Comprehensive and even cheap travel insurance policies allow you to make a claim if your luggage is lost whilst travelling or flying. However, when an airline loses your luggage they generally are able to get it back to you within a few days and most travel insurance companies only allow a claim if the airline takes more than a certain number of days to return your luggage to you. So read your insurance policy carefully, be aware of how many days constitute lost luggage to the insurer and keep a dated record of everything that happens if the airline does lose your luggage so that you can use it for any potential future claim.
- Get Compensation If An Airline Loses Your Luggage Add Comments
In most cases if an airline loses you luggage they will get it back to you within a day or two and you will not be able to make a claim on your travel insurance. However nearly all airlines will give you some monetary compensation to buy essential items if your luggage doesn't arrive at the same place that you do. In this situation simply show your baggage receipts (which are normally stuck to your tickets or boarding pass) to the lost luggage counter at the airport and ask them what they can do for you now that you have no luggage. Most importantly you must put your anger aside and be courteous and polite to the staff at the lost luggage counter, as they are only there to help and if you are rude to them you may ruin your chances of getting any compensation.