Jul 7 2011
Top Ten Ways to Save on Travel Insurance
A mistake that people encounter a lot when buying travel insurance is to elect to take the painless choice and agree to the insurance cover provided by your tour operator or to buy from a low budget airline website. Not only do you hazardspending too much if you do it in this manner, but you could be buying an average policy that will not provide sufficient cover and isn’t best suited to your particular needs.
Keep in Mind the Possibility of annual cover - Many insurance specialists will provide one week’s insurance coverage for Europe at around $10, compared to just over $32 for annual insurance coverage, so decide on multi-trip if you foresee more than three or four holidays within a year.
Plan Ahead - Most policies don’t as a matter of courseinclude winter sports insurance coverage. This might not be of any consequence if you’re thinking about a holiday on the beach now but what if you opt to pay forskiing later in the year?
PurchaseEn Masse -Insurance comes cheaper if you purchase it as part of a couple, covering you and your spouse or partner who lives in the same house as you or as part of family. (Make sure that the policy does not require that you must travel together).
Compare excess charges- One of the cheapest I’ve seen is $63 but it is often somewhere around $104 and can occasionally go as high as $270.
Don’t double up - If it is the case that your contents insurance covers your possessions your travel insurance provider may discount by around twelve per cent.
Look Around on the internet -You’re bound to get the finest rates by ordering cover over the internet.
Study the cover limits - Cover Limits should be $2 million for medical treatment in Europe ( and more for the US and $2 million for personal liability. Make sure cover is enough to cover for curtailment or cancellation, and baggage and single items.
Get an EHICSee “Health Advice For Travellers” -
Get an EHICSee “Health Advice For Travellers” for travelling throughout Europe; excess charges may be left off by your insurersif you have it.
Declare medical conditions. - By not doing so might void a potential claim; and tell the insurer any health issues of close relatives on whom your travel depends.
Check the small print -Whether it’s medical insurance quotes, or any kind of insurance at all you should always read through the small print.Mind-numbingly dull to have to do, but it still is the only guaranteed way to be aware of what coverage you have.
Alexander Domopopolous is a travel writer and blogger. He loves writing about faraway places and hot weather but ends up writing about travel insurance, rainy days in Britain andon the beach discount codes for cheap holidays.
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