Find the Right Travel Insurance – 10 Practical Tips

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Find the Right Travel Insurance – 10 Practical Tips

“Insurance is like marriage. You pay, pay, pay, and you never get anything back.”

- Al Bundy

Getting the right insurance can be very important in case you run into problems. Here are some hints on pitfalls to avoid:

  1. The travel insurance can differ a lot on what it covers. Make sure that you understand what is included and that you have the right travel insurance for the place you are going and the activities that you intend to do. Shop around – there may be significant differences in prices (make sure you compare apples to apples though, the fine print can be hard to understand in detail).
  2. Make sure that any expensive items (e.g. video camera) you plan to take along is covered, check the maximum amount per individual item. How can you prove to the insurance company that you owned the item? Keeping a photo and the receipt may be useful.
  3. Some policies cover only theft and not loss. Others have a hefty excess fee (an amount is deducted from the amount you are supposed to get back from the insurance).
  4. If you plan to travel several times during a year a multi-trip insurance can be more economical than buying travel insurance every time you go.
  5. Some travel agents make a large part of their income from selling insurance since the price for tickets is easy to compare online and there is a lot of competition selling tickets.
  6. Sometimes you have basic travel insurance included in your home insurance for a certain amount of days and it may be what you need. If it is not enough you may be able to take out additional travel insurance on your home insurance (but this is not necessarily the cheapest alternative).
  7. If you pay for your flight using a credit card you can sometimes get a basic travel insurance included. Check with your credit card company to for details. Also check what is included in your homeowner insurance before getting additional travel insurance.
  8. Make sure that you know where to call if you need to get in touch with your insurance company and keep a copy of your insurance policy with contact details with you.
  9. Check what the process for reimbursement is before you go (e.g. you may have to present receipts afterwards or get the treatment approved in advance).
  10. Check that the insurance covers the activities you plan on doing such as climbing, snowboarding or hang gliding. Some companies specialize in insurances for high-risk activities.
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