If you are travelling very often, there is a good chance that you have been asked to apply for a travel insurance. Most travellers do not understand the importance of taking a travel insurance. It offers you peace of mind while protecting you from having to bear extreme medical bills if you fall ill or have an accident when you are on your trip. Though it is important to have a travel insurance, it is not necessary that you have to spend a lot on it. The following are the tips you can take to make the purchase of travel insurance easy for you.
Take a travel insurance when you book your trip
As soon as you book your flight tickets and hotel for your trip, the next thing you need to do is to take a travel insurance. If in case your flight gets cancelled or is changed, you will not have to pay an outrageous fine. If you take an annual policy, you can cancel whenever you want. If you take a single trip policy, you get cover for till the time of your flight. There is no need for you to not purchase your travel insurance.
Take an annual policy if you travel more than once in a year
If you are a frequent traveller, it is efficient to purchase an annual travel insurance plan. You get cover for all your trips for the whole year. This is better and cheaper in the long run. You need not pay for multiple single-trips.
Check the countries that are covered by your travel insurance
Most travel insurance companies cover certain countries and some are excluded. You must check with your provider that the country you are visiting or that which you always visit is covered. When the insurance company says worldwide coverage, they don’t cover every part of the globe. You also get an option to opt out of certain countries.
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Adventure pastimes and extreme sports are not always covered
If you have a planned an adventurous trip, you need to make sure that the travel insurance you are taking covers these activities. You get cover for stolen gear, cancellation cost, lift passes, etc. The coverage mostly ranges from 17 days to 4 months depending on the company you choose for the travel insurance cover. This cover will cost you a lot. But, you must not forget the risk associated with your adventurous activities.
Identify the cover needed
When you are travelling alone, you can choose a simple travel insurance policy. You can take a group travel insurance policy if you are traveling with your family. The premiums will be based on the oldest person in the group. If you are travelling with an elderly person, ensure that you are getting them a separate policy. Children in the group get automatic coverage, but verify this with your insurer.
Inform the insurer about the existing medical conditions
You may think that by disclosing about your travel insurance provider will save you on the premium amount. But, it is important that you disclose your existing medical condition as they will offer you a better plan.
Always carry your travel documents
When you are travelling, make sure that you are carrying your travel insurance documents. If there is any emergency, you will have to produce your documents and details of your policy. You might also need the list of numbers to call in the event there is an emergency.
Read the terms and conditions of the travel insurance that you sign up for
No one likes reading through the small print. But, it is important that you are going through the main points of your policy. If there are any doubts with your travel insurance, check with the travel insurer. It is important that you clarify anything that you do not understand.
Having a travel insurance gives you peace of mind and you can really be care-free and enjoy your vacation.