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Get the right travel insurance for you
It’s tempting to compare travel insurance products
simply by their price and not by the cover that they offer.
To get full value for your money, however, you should also
consider the benefits of the cover, the exclusions and
whether the cover is tailored to your needs. The internet
is a great place to compare travel insurers, and by shopping
around for travel insurance on comparison sites like Beatthatquote,
you’re sure to find a deal that suits you.
Annual versus single cover: The first
thing to consider is how frequently you travel. Do you
restrict yourself to one week abroad every year, or are
you a perpetual tourist? If the latter, than it may be
worth taking out annual multi-trip cover, which will insure
your travel for a whole year. Annual travel insurance will
also cover excursions within the country, so trips to the
zoo, the country and the beach can all be stress free.
Go Travel, for example, offers travel
insurance that covers you automatically when you are
away from home for two nights or more.
Your medical needs: Depending on where
you are travelling to, you may need more or less medical
cover. Those visiting countries within the EU are likely
to incur smaller medical costs because of the reciprocal E111 agreement.
However, it is still worth taking out travel insurance
to cover treatment for routine problems that are not included
in the agreement. The highest medical cover will be required
by those who are visiting North America or a developing
country with limited resources.
Other travellers who may have special needs include families and those engaging
in adventure sports. Make sure that your insurer is aware of any dangerous
activities you may be engaging in abroad, and also clear as to the number of
people you wish to include on your travel insurance policy.
Car insurance: Some car insurance policies
will already cover driving abroad, but it’s important to check before you
leave. If you are hiring a car then your existing policy
may also protect you, making it unnecessary to take out
insurance with the hire company. You may also find that
theft, loss and prevention are covered in your home-owners
policy, so make sure you aren’t wasting money by
buying duplicate.
Tailored policies: Before you take out
travel insurance, take a moment to research which policy
would be best for you. Backpackers, worldwide travellers
and winter sports travellers all have access to policies
tailored especially for their needs. If you fall into any
of these categories, then standard travel insurance may
not protect you properly and you should arrange suitable
cover.
Shop around: Use the internet to find
the right travel insurance policy for you. Comparison sites
like MoneySupermarket.com offer a price comparison service.
You should also check individual insurers, such as Essential
Travel, Go or AA to make sure that you are getting the
best deal.
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