What To Look Out For When Buying Travel Insurance
If you are an avid traveler, a business traveler, or even a first-time traveler, purchasing travel insurance is important. Not only will it give you peace of mind, but it will also go a long way in ensuring that you are covered in the event that anything goes wrong while you are away from home.
However, there are so many different travel insurance options out there that it can be overwhelming to figure out which one is best – you just want to enjoy your trip and have a good time, right? To make it easier for you, we have put together a list of what to consider when you are in the market for travel insurance coverage.
Make Sure Your Destination Is Not Excluded
Before booking any travel insurance plan, make sure that the policy you are considering covers the destination you plan on visiting. Each policy is different but there are certain destinations that providers prefer to steer clear of or might charge a higher premium for. This is usually just due to legalities in those particular regions more than anything else, but you should always make sure that the place you visit is covered.
For example, certain insurance companies include countries like Turkey and Egypt in their European coverage, but others will make a point of excluding those countries from Europe. If you are planning on heading to North America or the Caribbean, consult your travel agent or insurance advisor, as those regions of the world are often categorized differently.
Rethink Any High-Risk Activities
This is incredibly important. Of course, when we travel, we want to see new things and experience everything as best we can. However, some activities are deemed to be high risk and many insurance companies will not provide any coverage should something go wrong. If you are planning to participate in activities like scuba diving, skydiving, bungee jumping, or horse riding, be sure to check your insurance company’s rules beforehand.
Some travel insurance policies will immediately exclude any activities deemed to be hazardous while others will still cover you but at a higher premium. Also be sure to check any coverage for winter sports such as skiing and tobogganing, as these could also be classed in another category.
Know What Happens If You Miss A Flight
Missing a flight is terrible but oftentimes, due to factors far beyond our control. For example, if the train to the airport is delayed significantly, or if there is severely backed up traffic on the way to the airport, or if your connecting flight is delayed, you may well miss a take-off.
When this happens, you can sign up today and play games to alleviate the stress, but before you do that, make sure that you are well aware of what your travel insurance company’s stance on missed flights is. If your policy does cover you, you also need to know what you need in order to fully submit a claim. Some insurance companies will ask for proof of your delayed flight while others might require you to make your claim within a specific timeframe.