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What To Look For In Travel Insurance by Puela Versiche http://www.fjfinsurance.com Travel is one of the most rewarding things that we can do. However things can go wrong, and it is only sensible to put a little thought into this element. Sensibly chosen travel insurance will help you really relax and enjoy your holiday. The first thing to remember is insurance is not an excuse to behave like a fool. Just because you have travel insurance does not mean you should do things that you would not do at home. For instance, if at home you would not ride a motorized scooter without a helmet, do not do it on holiday! In order to get a better deal there are some things that your should bear in mind. If the holiday company that you are using has the option for insurance do not opt for it without considering others, as it may not be the best or the cheapest. Spend a little of your time searching some of the specialist travel insurance companies on the Internet or by telephoning. Talk to your household insurance company and your credit card company. The reason for this is that often you have some degree of cover already. If you booked a flight through your credit card you will more than likely have quite good insurance cover for flight problems like cancellation. Also you may well get really good deals from companies that you are already using for other things. Travel policies will cover lost and stolen property, documents and some amount of money. This cover will not, of course, be infinite and all policies will place a limit on the amount they will pay. Try to match the policy level to your goods. If you holiday with equipment that is worth only a 1000 dollars do not waste money on a policy that will pay out one hundred thousand. If you have valuable stuff, then insure appropriately. If you know that valuable or specialist equipment (like camera gear) is going to be on your kit list then arrange special cover for this. If you do not let the insurance company know then they will not pay up if the need arises - you end up losing out, not the insurer. In the same way, if you plan to do some adventurous activities like scuba diving or motorcycling, take out a policy that covers them - many travel insurance policies do not. If you choose not to tell the company about your plans then you are not covered and you may as well have done without insurance altogether. Look carefully at the medical cover and be sure it is right for the place you are going. In particular ensure that repatriation is covered - if you need to get home because of ill health you insurance should cover you. When you are overseas or away from home and get into difficulties you will have to contact your insurers, so be happy that this is going to be easy - ask them how you would do it, should you need to. Make sure that you do not lose any reports you file with police, any bills you incur with a doctor or the receipts for anything you had to buy due to lost luggage or whatever. There is no need to leave everything to your insurance policy, and your holiday will be better if you take responsibility by keeping a copy of each passport in the group, noting the check number on your travellers checks etc. Be smart with your money, and put your valuable things in a hotel safe. Avoid water that you do not think is clean, have any injection and take any pills before you go. Enjoy your holiday. |