We all know that not all travel insurance policies have the same features, benefits and prices. There are those that provide a bit more coverage for a little extra cost, and the cheapest option is not always the best. If you’re looking for the right travel insurance plan to cover you on an upcoming holiday, here are tips to help you out:
LEVEL OF COVER – This is clearly the very first item you want to be clear on. For example, will the policy cover you for theft or loss of your baggage, medical emergencies, trip cancellation and travel delays? Before you begin to compare different policies, make sure you’ve already listed down the features and benefits you want.
AGE FACTOR – Age affects how much you’ll have to pay for delta trip insurance. The older you are, the higher your premiums.
MEDICAL CONDITION – It is important that you disclose any existing medical condition you have to the insurer, regardless of the fact that it will boost your premiums. Otherwise, your policy is going to be voided, prohibiting you from making any claims that may or may not have something to do with the medical condition in question.
BAGGAGE LOSS OR THEFT LIMITS – You can get coverage for baggage theft or loss, but note that it is not necessarily full. The claim is often limited.
EXCLUSIONS – Some items, such as electrical equipment, may not be covered by travel insurance, but you can always get that coverage as an add-on. For more info about insurance, visit http://en.wikipedia.org/wiki/Category:Types_of_insurance.
TRIP CANCELLATION – Some plans provide compensation for holiday cancellation, but you have to ask how much exactly. Will they cover you for thousands if, say, you’ll be on a cruise with the entire family or gang?
SINGLE-TRIP INSURANCE – If the plan is to take a cruise, single-trip insurance will most likely be insufficient. Your best option is none other than a dedicated cruise insurance plan. If you’ll be away for more than 30 days, whether you’re taking a cruise or not, you should still get specialist insurance.
SINGLE-TRIP OR ANNUAL – The idea is basic: if you travel very often throughout the year, annual makes sense; otherwise,go for single-trip.
FAMILY INSURANCE – This type of policy sometimes does not cover stepchildren, so do check with the insurer.
TRAVEL ADVISORIES TO CERTAIN COUNTRIES – Don’t travel to a country against which your government has issued a travel advisory; otherwise, you may not be able to make a claim as your policy could be rendered void. If you’re unsure, make it a point to ask the insurer.
SPORTS COVERAGE – If you’re going skiing, for example, you may not be covered by standard travel insurance.
Getting the right AardvarkCompare travel insurance coverage involves comparing different plans from different providers. This is the only way to make you see which one is indeed the best for you.