Getting a (afrika safari) Good Travel Insurance Deal
No commentsBy Mui Aponta
When travelling abroad, nearly two thirds of people from the UK do not take out a travel insurance policy. But what would happen if you fell ill in a country outside Europe? Or what if they lost their baggage abroad? It’’s important to be covered against these worst case scenarios.
Travel insurance should be thought of as essential, rather than being optional. If you”re going abroad in the next year, and you need a travel insurance policy, then this article can give you some tips. Meanwhile, travel insurance from AA Travel is worth a look.
Check what cover you may already have
If you”re a premium customer with a bank or credit card company, then chances are that you”ll already have travel insurance included. This is particularly likely if you”re paying a monthly fee for your banking. Make sure you understand the terms of this deal if you find you have one.
You may not know for sure if you have a policy with your account. If you don”t, then contact your current account provider to see if they will provide one. You may be asked to upgrade to a premier service, but it’’s rarely worth getting one of these just for the travel insurance policy alone.
Check special circumstances
Anyone with ‘’special conditions” (over 65s, people with a history or illness) can get quoted ludicrously high amounts from most traditional insurers. This can often be to the point where travel insurance seems too expensive to consider.
It’’s important to check specialist insurers that may be able to give you a better deal. If you find the cover to still be unaffordable, then the price may drop if you ask the insurer to exclude pre-existing conditions; though you may have to go abroad abroad with limited cover.
Knowing what you need
When booking a holiday, it’’s quite easy to be sold a travel insurance policy that over covers you. For instance, you could be asked to upgrade to a platinum policy, which might offer ?200 million worth of medical cover ? but when would you actually need such an excessive amount of cover?
You”re never really going to need more than ?2 million worth of medical cover, while for personal liability (damage to other people and their property) ?1 million should be enough, and ?1,500 for baggage. Meanwhile, also make sure you have cover for cancellation and delays.
Mui Aponta recommends that you always take out travel insurance.
Which travel insurance policy is right for you
By Mui Aponta
Leaving the country, or staying in the country but moving around, we are all after sufficient insurance cover knowing that if something goes wrong, then there is financial back up to rectify any potential mishap. You”ll want covering for illness, for any loss, damage or theft of property, and also for other important aspects such as delayed baggage upon arrival abroad.
There are alternative insurance packages in the marketplace for the various types of trip you could possibly be taking. Anybody going abroad should make themselves aware and think in advance of where you”re going, what activities you could be doing there and for what duration.
Holiday Insurance for a one off trip is only valid for those dates you are away and in that country. Types of policy such as these are available through the agency your travel tickets came from. Cover can be on the basic side so you are advised to go to an insurer who specialises in order to compare quotes and services.
Annual Travel Insurance is for those of you who go abroad more than once a year, or indeed make a habit of being away on holidays and city breaks all across the four seasons. This type of package is ideal for this purpose as you don”t need to buy insurance with every trip within that specific year, which would of course prove overly expensive and totally unnecessary in the long run.
Backpacker Insurance is slightly different to the above and is tailor made for the roaming trekker who is away on a constant basis for a period of time, often lasting well over a year. There is enough flexibility to extend cover if the need arises and a sports cover is included covering Level 1 activities.
Winter Sports Insurance and its dangers do not come without rules. It will not cover skiing medical costs in some service provider’’s policy, as this would be included as added premium. Cross country skiing with a guide, on the other hand, is provided for, but if this is competitive then it is not. Always check the fine print as policies differ, but this is a typical example.
Some Business Travel Insurance offers a very basic approach in order to keep their costs down to win their market share. For example, basic cover will only include business equipment under pre agreed limits between the insurer and the insured. Cash, both personal and business should be included. Another handy policy facet for any company is Replacement Personnel which is very useful when something goes wrong with the first person.
There are other insurance’’s available, such as for gap years, airport parking and diving. Also, it is advised that you do basic research into any destination you may be visiting to prepare yourself for when you do have to start looking at the finer detail of the policy.
Mui Aponta recommends that you always take out annual travel insurance.
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Wednesday, March 31st, 2010 at 3:15 pm and is filed under travel. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
