Jul 7 2011
10 Top Tips on How to Save on Travel Insurance
A problem that people encounter a lot when ordering travel insurance is to opt for the painless choice and sign up for the insurance cover sold by your tour company or buying through a low budget airline website. Not only do you take the take the chancethat you will be spending far too much if you do it in this manner, but you could be ordering a sub-standard policy that does not provide you with sufficient cover and is not well suited to your needs.
Put Some thought into annual cover - Specialist insurers can offer a week’s insurance coverage for Europe at approximately $13, compared to just over $21 for annual insurance coverage, so choose multi-trip if you know you will be having more than three holidays within a year.
Think Ahead - Most policies don’t accordinglyinclude winter sports insurance coverage. This will not be of any importance if you’re planning a beach holiday now but what if you make the choice to opt forskiing later in the year?
BuyEn Masse -Insurance will become cheaper if you purchase it as a couple, covering you and your spouse or partner who lives in the same house as you or as a family. (Ensure that the policy doesn’t dictate that you always travel together).
Read Up On excess penalties- Among the lowest I’ve seen is $62 but it is normally somewhere near $92 and can occasionally go as high as $260.
Don’t double up - If your home contents insurance covers your possessions your travel insurance provider may discount by around 11 %.
Compare Prices on the internet -You’re bound to get the choicest rates by buying cover over the internet.
Check limits of cover - Limits need to be $2 million for medical treatment in Europe ( and more for the US and $2 million covering personal liability. Ensure coverage is sufficient for cancellation or curtailment, and baggage and single items.
Get Yourself an EHICSee “Health Advice For Travellers” -
Get Yourself an EHICSee “Health Advice For Travellers” for travelling across Europe; excess charges could be ignored by your companyif you have got it.
Register any medical conditions. - Not doing so could void a future claim; and tell the insurance providers any health issues of relatives on whom your travelling depends.
Read through the small print -Whether it’s mortgage insurance quotes, or any kind of insurance at all you should always go through that nasty small print.Mind-numbingly dull to do, but it’s the only dead cert way to be sure of what you are and aren’t covered for.
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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