Travel Insurance: 5 Tips on Getting the Best Deal

Do you have a travel insurance? It’s not surprising if you don’t. According to ABTA, one in five people travel without it. It’s easy to overlook a travel insurance when planning your vacation or when going on last-minute business trips. However, its importance cannot be overemphasized.

That’s why we have compiled a list of tips that will ensure you get the best deal.

Here are five tips that will help you get the best travel insurance deal.

When buying from a Travel Agent

Although a little expensive, buying from a travel agent offers the advantage of convenience. There are travel companies out there that’ll offer you with a “free cover”, don’t fall for it. Insurance is never free. The cost has been added to your holiday price.

Some travel agents would try to convince you that your present cover is not good enough. They’ll try to convince you to pay for their cover. Do not fall for that either, maintain your existing policy. Even better, buy directly online. It is significantly cheaper.

Get Value for Your Money

It’s better to get an annual policy if you travel multiple times a year. This way, you get more value for your money. It’s cheaper than purchasing cover every time you have to travel.

Also, while buying a travel insurance, find out what the limits are on the items you would be packing along. It makes it easier for you to get higher limits if you are packing something expensive, like a piece of jewelry.

If you have items that are covered under the home content policy, that’s good. Check to make sure you are still covered when you are away from home. If this is the case, request for a discount on premium from your insurance broker.

If You Are into Unusual Sports

You need to get covered if you have any unusual sporting activities planned. Sports that fall into this category include:

• Bungee Jumping
• Skiing
• Whitewater Rafting, etc.

Please note that you may be required to pay an additional expense if you are participating in winter sports. It is just cheaper to go on a beach holiday.

Airport Delays and Illness Abroad

If it happens that your flight gets delayed for any reason, you won’t get a payout. However, you are covered against illnesses that occur abroad. There are three exceptions to this cover.

• When you are traveling abroad against medical advice
• When you are going overseas for treatment
• If your illness is as a result of alcohol or drugs

You’ll be required to report any medical issues before getting a cover. Consequently, paying more because you are likely to make a claim.

Travel in Group

It doesn’t matter if you are traveling for business or leisure, going in a group ensures that you save a lot of money. Rather than purchase individual policies, one group policy covers everyone.

Wrapping Things Up

It is vital that you get the best travel insurance deal before you go on that business trip or vacation. The tips outlined above ensures that.

In other to avoid missing your flight, use professional Modesto airport transfer. Consider our Modesto limo service.

Not only do our Chauffeurs ensure you have a comfortable trip, but you’ll also reach your destination in time. We have a fleet of luxury vehicles that are perfect for either leisure or business.