Travel Insurance – 10 Tips To Get Best Deals

Travel Insurance

1. Buy Directly – Never buy Travel Insurance from a travel/tour operators or airline, they always cost very high.

2.  Always Compare – Always check travel Insurance deals on comparison Sites – always do comparative study on various web sites before buying an Insurance

3. Avoid Top ups – Do not do extra top Ups in your Insurance, Only Medical Insurances works out very cheap.

4. Choose annual cover –  if you travel more than 2-3 times a year, choose annual cover, if you travel two-three times or more a year (or twice or more if one trip is to the US) then getting an annual policy that covers the entire year’s travel for one fee is likely to cost you less than buying separate single-trip policies.

5. Buy country specific policies – You don’t need to buy a worldwide policy if you have an option to select a country specific one. It will cost less.

6. Look out for age limits and medical exclusions – Most policies will not insure anyone aged over 65. Most standard policies will also not cover any pre-existing conditions. Always tell insurer about any ongoing medical conditions and answer questions honestly.

7. Include comprehensive adventurous activities – Include all spectrum of adventure activities eg If you are going on a trekking holiday make sure the policy includes comprehensive mountain activities.

8. Opt for airline failure cover  only if any doubt over airlines

9. Get an EHIC card – If you are heading to Europe, get a free European Health Insurance Card (EHIC), which gives you access to state-provided healthcare, at a reduced cost or sometimes free,

10. Negotiate Early before travel – To get Best value travel insurance deals, negotiate Early before travel.