A travel insurance is crucial when you go on holiday. You never know what could happen – imagine you’re getting sick or an accident occurs and you need to get home as soon as possible, or you need treatment, and the money will come out of your pocket. It might cost you some more money than a trip without would, but better safe than sorry.
Now the question is how you’re going to find the travel insurance that suits you best. At first it might seem easy, but it takes some time to do it properly. You might even use a site that compares the insurances. Can you imagine the competition among the companies? It’s so bad that some only ask £30 for an annual, multi-trip policy. But if you take a look at the conditions, you’ll see that they’re useless.
We’ve written this article to show you what to keep in mind when choosing a travel insurance company.
Multi-trip
A multi-trip policy is one that covers all the trips you take in one year, with some limits regarding the length of each trip. It really depends on how much you travel in one – that’s how you’ll see if it’s worth to pay for a multi-trip policy instead of separate ones. With three or four trips you save money with a multi-trip.
But the biggest advantage is that you won’t need to stress over a travel insurance everytime you leave on a trip.
Multiple covers
It’s a good idea to buy a cover for a couple, or for a family, all under one policy. It’s better to take one that also allows each member to travel independently. Truth be told, they’re not as easy to find as before, you gotta do some digging, but you’ll find one if you look carefully enough.
Standard limits
For the insurance that you get, you need to make a list of the limits for the key parts of the cover (per person, if needed). Some companies will put higher limits, but it’s not always out of necessity.
This list should include prices for luggage, cancellation, missed flight, personal liability and, of course, emergency medical cover.
Extra cover
An extra cover is needed to cover the financial failure in case an airline or any other travel company makes a mistake. It’s also useful for additional losses. It’s good for business travel, but it might come with some restrictions. is what you need in these cases.
Activities
Choose a policy that can cover activities, such as sailing or sports. Common activities made by tourists include camel and elephant riding, too, for example, together with walking or hiking. It’s good to have one in case something happens.
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