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Most of us only know of travel insurance as a visa requirement. When we see the
mention of one in a visa form or are asked by our travel agency if we want travel
insurance, we are more often than not lost or confused about whom to go to for a
policy and what to look for in a good policy. This of course means that we may
purchase a policy that doesn’t cover our needs or get tricked into buying a policy
we don’t need.
It’s for this reason that you should be aware of how to buy good travel insurance.
Do you need one? The first question you’d ask about travel insurance is if you actually need one. Are
you going to purchase a policy simply because it’s a visa requirement? Or because your travel agency
keeps suggesting it? You may, but you shouldn’t. Travel insurance can cover a lot of important aspects
while traveling, for instance medical expenses, trip cancellation, lost baggage, etc. Having a travel
insurance policy will ensure the availability or accessibility of certain services and offer you a safety net in
case of an emergency.
What to look for - Deciding on a policy is the tricky part. Most of us don’t understand what a policy
provides us with or what we are agreeing to. And since there are different types of coverage offered by
policies, having at least a basic understanding of these will be of use when deciding on a policy. Types of
coverage include, medical, trip-cancellation or interruption, theft protection, evacuation, baggage, and
Whom to go to - When choosing a good travel insurance policy, it’s important to go to an insurance
company that has made a name for itself but is also known for their good travel insurance plans. They will
have the best options for you to choose from. Also remember that your travel agency isn’t an insurance
company, so leave all your questions and doubts to the insurance company as opposed to your travel
Bear in mind that often the insurance company suggested by your travel agency may involve additional
fees and that you are not obliged to pick them. When it comes to selecting a travel insurance company,
it’s also important to remember that there are a number of online services to choose from.
What is covered? - The most important part of a travel insurance policy is what it covers. This includes
both coverage limits and also the extent of protection it affords. If you want maximum benefits from the
travel insurance, you can’t go cheap. We tend to be optimistic and never expect the worst to happen, but
when traveling, it’s better to be safe than sorry.
What isn’t covered? - When purchasing a good
travel insurance policy, it’s important to look at both
what is covered and what isn’t. Injuries sustained
from extreme sports are usually not covered by
travel insurance. There could also be limits to
electronic gear coverage so if you travel with a lot
of expensive gadgets like laptops and cameras,
you might want to get supplementary coverage.
Don’t wait - If you’ve been meaning to buy travel insurance but wait until after you have to cancel your
trip to purchase a policy, it won’t be of any use to you. While it may seem like an obvious thing, most
people expect travel insurance to cover all aspects of the trip even if it took place before the purchasing of
So don’t wait until the very last minute to buy a policy. Don’t wait until your trip starts to purchase one. But
do remember to purchase a good policy that covers your needs.