With the holiday season in full swing, people are planning holidays and leaving to experience relaxing holidays. As much as traveling involves planning, it should also involve travel insurance which will ensure that you are covered for everything. Before buying travel insurance, there are a few things which you should look out for.
Before you select a travel insurance policy, you need to make sure that the policy covers your entire trip duration. Depending on your provider, there may be limits, so make sure that you are fully covered.
Most travel insurance companies will require you to disclose any ore-existing medical conditions as this may affect the cost. Be honest and don’t hide any information just to save money. Being dishonest about pre-existing medical conditions can possibly lead to you not being paid out!
Find out if there are any limits on claims made, as it would not be ideal to make a claim, only to find that you are not covered for that amount! There are usually separate amounts of cover for baggage, holiday cancellations and cash. Remember to also check what your insurance excess is and whether this amount is per person for joint cover or per policy.
If you are unfortunate enough to get robbed while on holiday, make sure that you are clear about your travel insurance company’s rules about reporting theft. They may specify that it needs to be done within 24-48 hours, or else you may lose out on being covered.
Even though it is possible to buy your travel insurance policy on the day you are leaving for your holiday, it can pay to buy it at the same time as booking your holiday as this means that you’ll be covered if you need to cancel your holiday due to unforeseen circumstances.
Make sure that you are clear on what exactly your insurance company pays out for, so that you can enjoy some care-free traveling!
If you need help deciding on which travel insurance company to go with, use Likemoney to help you make an informed decision.