A regular mistake when buying travel insurance is to take the effortless option and agree to the insurance package offered out by your tour operator or buying from a very basic airline website. You don’t just risk spending too much if you do it this way, but you could be buying a mediocre policy that does not offer adequate cover and isn’t well suited to your needs.
Think About annual cover - Many insurance specialists provide seven days insurance cover for Europe at around $12, compared to just over $27 for yearly insurance cover, so take multi-trip if you foresee more than two or three holidays within 12 months.
Plan Ahead - Insurance policies don’t automaticallyinclude winter sports insurance cover. This may not be of any consequence if you’re thinking about a holiday on the beach now but what if you take the choice to goskiing later in the year?
Group Purchase -Insurance will become cheaper if you get it as part of a couple, covering you and your partner or spouse who lives in the same house as you or as a family. (Ensure that the policy does not specify that you always travel together).
Compare excess penalties- Among the cheapest I’ve seen is $58$ but it is normally somewhere near $99 and can occasionally go as high as $240.
Don’t double up - If it is the case that your home contents insurance also covers your possessions your travel insurance provider may discount by around 12 %.
Compare Rates online -You’re most likely to get the unrivaled rates by purchasing coverage over the internet.
Study the cover limits - Limits need to be $1.9 million for medical bills in Europe ( and more for the states and $1.9 million for personal liability. Ensure coverage is sufficient for curtailment or cancellation, and baggage and single items.
Get Yourself an EHICSee “Health Advice For Travellers” -
Get Yourself an EHICSee “Health Advice For Travellers” for travelling throughout Europe; excess charges could be waived off by your insurersif you have got it.
Declare relevant medical conditions. - Not doing so could void a future claim; and tell the insurers any health issues of relatives on whom your travel depends.
Read the small print -Whether it’s car insurance quotes, life insurance quotes or any sort of insurance at all you should always read the small print.Mind-numbingly dull to do, but it’s the only absolutely certain way to be sure of what coverage you have.
Alexander Domopopolous is a travel writer and blogger. He loves writing about faraway places and hot weather but ends up writing about travel insurance, rainy days in Britain andon the beach discount codes for cheap holidays.
