When searching for the right travel insurance for you, it can be confusing if you haven’t bought it before. You can go for an annual policy that will have you covered for a year if you are travelling often. However, some prefer to take out travel insurance for specific trips as and when they go. There are some factors you will need to consider before buying your travel insurance, and here are the main ones…
1. Make sure it covers your age group
Some travel insurance covers a certain age group and this will be essential for those who have health conditions to tell the insurance company. Your insurance won’t cover you for these if you don’t declare them. You can find options such as over 50s travel insurance that will be appropriate if you fall within this age group. Some companies cover all ages but you will need to read the terms and conditions in-depth to find this out, and don’t purchase the insurance until you have done this.
2. Ensure your policy covers lost or stolen luggage
It’s crucial to find a policy that covers any lost luggage as this sometimes happens at the airport, but very rarely. If you’re going to a destination with a high crime rate, you should also make sure the travel insurance policy includes stolen luggage as it’s better to be safe than sorry. When you are selecting the best insurance for you online, there will be a price allowance for any luggage cover and you should make sure you select the one that’s high enough to cover you if you lost everything. Remember to take gadgets like your mobile phone, cameras and laptops into consideration, and also things like wedding rings as these can be lost.
3. It’s essential to buy your insurance before the trip
Make sure your travel insurance covers you from the minute you leave the house, as you never know when you might need it. Some people accidentally select travel insurance to cover them starting a few days into their holiday, don’t make this mistake. You will want your insurance to cover anything that could happen at the airport, as well as when you are at your destination abroad. You can go for an annual insurance option if you travel many times a year, instead of taking out a similar policy multiple times.
Now that you know what you need to consider before taking out any travel insurance, make sure you research and find out exactly what’s on offer. These are only our top 3 so make sure you think about other things like cancellation policies and what is covered if your trip is delayed. You can write a list of exactly what you need included and print out your insurance when you’ve bought it. It is also important to read reviews like travel guard insurance reviews, this will help you decide easier which insurance company has the best offer.
Most companies will email you a copy of the insurance and if you have a smartphone you can flag the email and have it handy just in case. For those going on adventure holidays who are taking cheap phones, it’s best to print a copy of the insurance. Enjoy your trip and we hope you won’t need to claim on the insurance!
