How to choose your travel insurance

Well hello to you my reader chums! Travel insurance is something that's so important for any trip you're going on and a step I always make sure I do when booking a holiday. Unfortunately, you never know what can happen when you're away from home and that's why it's good to have cover behind you to help you out. At the minute, travel isn’t at the forefront of our minds with everything going on. However, hopefully soon, we’re able to jet set abroad and travel insurance is one of those steps you should take. 

How to choose your travel insurance

I didn't know much about travel insurance until I started working in it and now my whole world has opened up to what I'm actually buying into. Whether this is your first time buying travel insurance or you'd like to know what to look out for, here is how to choose your travel insurance.

Look out for what you're covered for

The problem with travel insurance is not actually knowing what you're covered for and this is down to what is stated in your policy wordings document. Travel insurance is mainly there to help you out with any medical emergencies abroad or costs in that area, and everything else is dependant on the policy you choose.

There are hundreds of travel insurance providers out there so it can be hard to know what to pick and what provider is better to the next. However, the main thing to do is read through the policy wordings and see what level of cover they offer for what you want to be covered for. Whether it's flight delays, cancellations, coming home early, baggage protection, losing your possessions or if you abandon your travel plans. There are lots of different circumstances which can happen when you're abroad and it's important to think about that and buy a high level of cover to ensure you're protected.

Another thing to keep in mind is the excess. If you, unfortunately, have to put through a claim as something has happened, then whatever you're claiming for, the excess will need to be deducted off it. If you don't want a high excess, make sure you look out for that when purchasing the policy in the first instance.

The price

A lot of people when it comes to travel insurance decide to buy the cheapest travel insurance they can come across, however, the cheaper the cover, the less you will be covered for. If you purely only want it as a medical emergency type of cover and have a limited amount of cover then pick the cheapest option. However, it's more worthwhile in investing a little bit more money in better cover to give you the reassurance that you'll be covered for more scenarios on your travels.

Extensions 

When it comes to travel insurance, we assume that the policy should cover everything including things like gadget cover, however, it's not often the case. If you want specific cover such as gadgets, winter sports, festivals or anything you don't think will be on a regular policy, you may need to buy an extension - or look into the existing policy you're purchasing.

The length of a policy

There are different types of policies you can purchase including a single trip, multi-trip/annual or long term cover. A single trip is for one trip and can be up to a certain amount of days depending on the policy you go for. A multi-trip/annual you take out on a yearly basis and it'll cover you for more than one trip you take throughout the year. Long term cover is for those backpacking style trips where you're away for a few months or more and dependant on your policy the cover can be up to 2 years or more.

The countries you're travelling to

When you're buying your policy, you'll have to choose the cover on where you going. This can be worldwide, it can just be Europe or excluding different continents. The more places you'll get cover for, the more your price will increase.

Talk to your provider

If you're unsure about what to purchase or what you need to be covered for, then the best thing to do would be to ring up your travel insurance provider and see what they recommend for your trip - as they'll explain what the policy wordings mean.

I hope you enjoyed this post. Have you got a travel insurance cover?

Thank you for reading <3

3 comments

  1. Great post! I always buy annual insurance so I don't have to keep purchasing it, because I go away at least a few times a year. x

    - charlotte / https://charlottesspace.com

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    Replies
    1. Thank you lovely! I do exactly the same :) xx

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