7 Ways to Buy Travel Insurance Like a Seasoned Traveler, Even if It Is Your First Time

January 13, 2018

Travel insurance will cover any unexpected emergencies that might come up in the course of your travels. This includes cancelled flights, medical emergencies, lost luggage and other losses. When you are buying travel insurance, you have to know what you are doing so as to get the best deals. Here are some tips to help you.

1.     Different packages

There are different packages that are offered by insurance companies. It is important that you compare the packages that they have and see what each has to offer. You can then make your decision after carrying out this analysis.

2.     Define your needs

Your insurance plan will depend on what your needs are and what your situation is. Some of the things to keep in mind include:

  • How you will be travelling? For instance, will you use any rental cars?
  • Travel destination – It might be more expensive to get a plan to go to certain places compared to others. High-risk countries will see you being charged a lot more for insurance.
  • The type of activities that you will be doing in the destination country matters. High-risk activities like skydiving or mountaineering will see you getting charged more.

3.     Extent of coverage

In case you get sick, will the company pay for all the medical costs or will you get reimbursement from your normal health insurer when you continue medical treatment in your home country? Keep in mind that travel insurance is not a substitute for medical insurance. So, when you take insurance with a company like https://www.axa.com.sg find out if your medical insurer can still step in once you fly back into the country.

4.     Premiums and upgrades

Find out how much you have to pay in premiums. You can then choose to downgrade or upgrade. For instance, if you think that you might buy something when you are abroad, you can upgrade your policy to cover it.

5.     Check the exclusions

You should know what is excluded from your cover. For instance, most companies will not cover you if something happens to you when you are under the influence of alcohol. They also won’t offer cover you if you are travelling to high-risk countries.

High-risk sports and acts of nature will also not be covered. Therefore, it is best to go through the list of exclusions to see what you will not be covered for. If you have any preexisting medical conditions, be sure to declare them.

6.     Annual policies vs. single trip policies

If you plan on traveling several times in a year, it might be much more cost effective for you to take an annual cover; otherwise you can just choose a single trip cover. Therefore, know what your travel needs are so that you can make the best decision.

7.     Buy directly online

Consider buying the policy directly from the insurer. Just find a reliable company to buy from. It is a straightforward process that is not complicated, so you can do it on your own.

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Andi Perullo de Ledesma

I am Andi Perullo de Ledesma, a Chinese Medicine Doctor and Travel Photojournalist in Charlotte, NC. I am also wife to Lucas and mother to Joaquín. Follow us as we explore life and the world one beautiful adventure at a time.

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