Travel Insurance - Make Sure You Get What You Need
Wednesday, 02 December 2009 08:12 | 
Written by Joseph Archibald |
To be honest with you, when I am booking my own vacation or making some other travel arrangements I would tend to avoid taking out insurance, particularly the insurance offered to me by the company I am booking my travel with. Am I wise to do this or just being over-cautious and not trusting enough? Here are a few pointers that all travellers would be wise to take note of when considering travel insurance.
To be honest with you, when I am booking my own vacation or making some other travel arrangements I would tend to avoid taking out insurance, particularly the insurance offered to me by the company I am booking my travel with. Am I wise to do this or just being over-cautious and not trusting enough? Here are a few pointers that all travellers would be wise to take note of when considering travel insurance.
Do avoid taking your travel insurance out with the company you are booking your flights or holiday with, at least until you can weigh up what else is on offer to you. How to find the cheapest and best for your needs? Easy really - look on the internet for travel insurance and you will be presented with choices galore.
No one likes to waste money so its a good idea to check your current insurance policies - your home insurance - to see if you are covered for going on holiday. Take a moment to check and you may be fortunate.
When you have your short list then make sure you have medical insurance and that it is going to be adequate. This should also include costs for possible medical evacuation. If you are to be evacuated back home due to illness you could be looking at very high costs indeed!
Make no presumption that common activities that you do on your holiday will be covered by your insurance. For example, scuba diving is almost never covered and has to be added on. Golf clubs too will generally not be covered unless as an add-on or with a specialist policy.
Read the small print! As boring and tedious as this may seem its good policy to read the small print before signing for any type of insurance. Also, make sure you get your insurance cover from a reputable company. If this company also has a good reputation in the country you are travelling to then all the better.
To be honest with you, when I am booking my own vacation or making some other travel arrangements I would tend to avoid taking out insurance, particularly the insurance offered to me by the company I am booking my travel with. Am I wise to do this or just being over-cautious and not trusting enough? Here are a few pointers that all travellers would be wise to take note of when considering travel insurance.
Do avoid taking your travel insurance out with the company you are booking your flights or holiday with, at least until you can weigh up what else is on offer to you. How to find the cheapest and best for your needs? Easy really - look on the internet for travel insurance and you will be presented with choices galore.
No one likes to waste money so its a good idea to check your current insurance policies - your home insurance - to see if you are covered for going on holiday. Take a moment to check and you may be fortunate.
When you have your short list then make sure you have medical insurance and that it is going to be adequate. This should also include costs for possible medical evacuation. If you are to be evacuated back home due to illness you could be looking at very high costs indeed!
Make no presumption that common activities that you do on your holiday will be covered by your insurance. For example, scuba diving is almost never covered and has to be added on. Golf clubs too will generally not be covered unless as an add-on or with a specialist policy.
Read the small print! As boring and tedious as this may seem its good policy to read the small print before signing for any type of insurance. Also, make sure you get your insurance cover from a reputable company. If this company also has a good reputation in the country you are travelling to then all the better.
