Searching for the best/most affordable/safest travel insurance: looking at all the options, comparing them all and then usually ending up with the first thing you found is one of the less appealing aspects in planning your travels. It can often feel like days of getting nowhere.
Here are a few top tips on how to approach the mammoth task step by step in only a few hours to be sure you’re getting the best deal.
What type of trip is it you’re doing, adventure, backpacking, round the world? Make your online search criteria precise in the first instance. You’ll save a lot of time searching for more generic quotes, which you’ll often find, don’t cover certain countries (namely the US and Canada although often Caribbean and Asia can be excluded). Others wont insure couples and might not cover certain activities. A specific search should provide you with 3-5 companies who are most suited to providing the type of insurance you need.
Use comparison sites.
There is a hearsay that some of the best deals are not on comparison sites due to the premium companies have to pay to the site. Whilst this may or may not be true the method of putting your requirements into 1 form and getting 10 results is an excellent place to start it will give you a cheap quote to use as a benchmark should you want to go and compare individual sites from your specific search.
Which one to choose?
Once you’ve a few quotes in mind it’s time to look at the nitty gritty. This is usually the point when most of us would rather make a cup of tea. As a guide look at four main areas: medical cover (inc dental), cash & documents, delays & cancellations, legal expenses.
The advice of most is that medical cover is the top one to look out for. You want your cover to get you the best treatment and/or get you home for treatment where possible.
Cash can be replaced, as can documents but best to have this covered to a degree. Think about what’s important for your trip and what may be the likely problems. For example are you going to be in places where transport is often unreliable and so do you want good cover for delays. If you’re going away to multiple destinations for long lengths of time then sadly normal annual worldwide travel insurance doesn’t seem to cover you.
There are varying levels of cover but most offer cover up to a maximum of 90 days and from how I read it you need to return to you place of residence for each separate country to be counted as its own trip. It is also worth taking 10 minutes to investigate the company, have they been around a long time are they underwritten by an agent you are confident in. Once you’re happy with the 4 main areas being suitable for you and you’ve had time to think about any weird and wonderful particulars you need to be covered you’re more than likely down to only 1 option and if there’s still another one doubting your mind… toss a coin.