Whether you’re going away for business or pleasure, travel insurance is a must. No matter where your destination is, you’ll want to ensure that you have access to medical care if you need it. While no-one wants to think about falling ill or being injured, being prepared for every eventuality will give you peace of mind.
However, finding the best insurance policy isn’t always easy. With so many different options, it can be hard to decide which one is right for you. To make things easier, take a look at these top tips for finding the best travel insurance now:
1. Start Dates
Some insurance policies only cover the period that you’re away from home, whereas others start from the moment your application is approved. If something happens weeks before you’re due to depart and you’re forced to cancel your trip, for example, you could claim on your insurance, providing the policy covers this type of situation.
When you’re booking a trip well in advance, it can be useful to choose a policy that offers this extra coverage. You never know what the future might hold, so the additional cover could come in handy if anything unexpected happens before you’re due to go away.
2. Single vs. Multi-Trip Cover
If you travel regularly, a yearly travel insurance policy could be the most cost-effective option for you. However, if you don’t travel frequently, single trip cover is likely to be the best option. Fortunately, both policies are relatively easy to find, although you will need to compare providers to get the best deal.
Be aware that not every policy will be exactly the same, so do check the small print before you purchase a policy. When you buy travel insurance by Staysure, for example, COVID-19 cover is included at no extra cost, and cancellation cover ensures your policy applies from the moment it’s purchased. Not all providers offer the same perks and flexibility, so do check what you’re getting before you commit.
3. Pre-Existing Conditions
If you have a pre-existing health condition or a current illness, it may not be covered by your travel insurer. This means that if you fall ill or sustain an injury that’s related to the pre-existing condition, none of your treatment will be covered.
Many people fall foul of these exemptions. Rather than assuming any illness will be covered, double-check that your insurer will cover the cost of treatment related to pre-existing conditions. Also, be sure to disclose any and all pre-existing health problems to your insurance company before you buy a policy.
4. Maximum Limits
Most insurance companies apply upper limits to their cover, so you might find that your policy only covers treatment up to a certain amount. Depending on your destination or any treatment you require, this could quickly be used up in the event of an accident or illness.
Before choosing a travel insurance policy, find out how much medical care usually is at your destination and determine whether the coverage would suffice. If not, you can generally increase the amount of cover you receive. While you will pay a little more for additional cover, increasing the limits can be surprisingly cost-effective.
Get the Right Level of Cover
It’s tempting to scrimp on travel or holiday insurance in the hope that you’ll never need to use it. However, affordable, comprehensive policies are available, providing you choose the right travel insurance company. With a little research, it’s easy to find a cost-effective policy that will provide the level of cover you need and give you peace of mind while you’re away from home.