Posted by :GreciaPosted date : April 13, 2016In Travel InsuranceComments Off on A Guide to Sourcing Online Travel Insurance
Travel insurance is something essential when planning a trip abroad and it isn’t just for medical reasons that we should take out cover. Good travel insurance will cover you if your camera breaks, your flight is cancelled, something is stolen, or a family member dies and you must return home immediately. Life doesn’t always go to plan, and when something unexpected happens at home it is bad enough, but when it happens in a foreign country, the consequences could be serious. A reputable online broker can offer travel cover for a wide range of people and situations, including, elderly travelers, single and multi-trip insurance, cruise insurance, and special situations that regular policies will not cover.
Be prepared for any eventuality
Travel insurance is something we hope to never use, but there are many occasions where people are thankful they had the foresight to take out adequate insurance while abroad.So many variables that are out of our control can cause a situation where insurance cover is necessary, so don’t take chances when travelling abroad. A comprehensive travel insurance policy should cover you for,
The countries you are visiting
Injury and sudden illness
Lost, damaged, or stolen property
Cancellations such as hotel bookings, flights and other transportation
Twenty-four hour emergency services and assistance
Emergencies that cause you to return home early
Electronic devices such as cameras, laptops and smartphones
Company bankruptcy – Your airline, hotel or travel agent may cease trading
When taking out travel insurance it is important to be clear about your requirements, and always read the policy conditions thoroughly before agreeing to the cover.
Extra premium cover
Certain aspects of travel insurance will have limits, so it is important to consider if the cover is adequate for your needs. You may have an expensive smartphone, and then discover the insurance policy doesn’t cover the full cost of a replacement. In this case, you can pay a small addition to the premium, and your cover will be increased accordingly. For more information, read the online travel insurance buyers guide at Medical Travel Compared, where you will find detailed information regarding all aspects of travel insurance.
Extreme sporting activities
Most travel insurance will not cover you for certain activities, such as motorcycle riding, bungee jumping, or paragliding, unless you specify this, and are prepared to pay an extra premium. For this reason, you should carefully consider what activities you plan to do while abroad, and make sure your policy covers these.
Personal liability cover
There are certain situations where personal liability cover would protect you against a claim. If your flight had to be diverted due to a medical emergency you suffered, other passengers could claim against you for this. If you caused an accident, or damaged property that doesn’t belong to you, another person could make a personal claim against you, which could result in a heavy payment. Here is some more travel insurance information to help you choose the right policy.
Many people think that the medical cover of a travel policy will cover them for any eventuality. This is often not the case, and any pre-existing medical conditions will not normally be covered. The medical section of travel insurance will only cover emergencies; unless you specify any medical conditions you have, and request specific cover for those. If you plan to arrange online medical cover for other people travelling with you, make sure you have all the relevant information about their current health status, including previous medical conditions. Failure to provide accurate information could render their insurance invalid in the event of making a claim.
Online insurance companies
In today’s digital world, it is very convenient to take out travel insurance online. Rather than approaching many companies and comparing quotes, it is better to deal with a reputable online broker who has associations with many insurance companies, and can provide a policy that is tailor made for you. Not only that, you will receive prompt service without having to visit the company’s offices, or attend a medical examination.
Online medical screening
This can be done conveniently without the need to visit a hospital or clinic. Simply enter all the relevant information about your current health status, and be prepared to answer any questions regarding this. It is important to answer all questions truthfully, as in the event of a claim all information will be verified, and this could result in your claim being rejected.
Other medical concerns
Apart from disclosing any current or past medical conditions, you should consider medical repatriation cover, at least £2million is recommended, as repatriation could include air ambulances, and flight diversions, which can be very costly.
When to buy online travel insurance
As soon as you have booked your holiday, you should take out your travel insurance, as this will cover any cancellations that might occur before the departure date. This will protect a deposit,or flight payments you have already made. Many small travel agents fold, so it pays to cover any eventuality.
Variation in premiums
There are many aspects concerning travel insurance, your age, your current health status, and your destination country. If you are travelling to a country where health care is very expensive, this will have an effect on your premium. It isn’t just a question of your medical status, as many medical conditions do not affect the insurance premiums.
Cancellation / curtailment cover
In the event you have to cancel, or cut shortyour trip for any reason, this will cover any travel or accommodation expenses that you are unable to claim back. You can ask for this coverage to be included when applying online.
Use an accredited online travel insurance company
The last thing you want with any insurance is to find out your policy is void because the online broker is not accredited, so it is important to choose an established company that has associations with several leading regulators.
Grecia is the author of tournavationmke.com. She loves to travel around the world and share her experience and knowledge about the travel industry, features about travel trends. Prior to travel writing, Grecia covered Internet and Technology articles and contributing for many other web blogs.