Travel insurance tips

Travel insurance is very important in case unexpected events occurs. What happens if: A hurricane damages your destination? When searching for the best travel insurance policy you should have a basic idea of your travel habits and plans in advance in order to choose the right policy. If you know you are going to travel several times within in a year, an annual travel insurance policy (multi-trip policy) covers all your trips and can be far more cost effective – they do have a maximum duration per trip though!

Most travelers think of travel insurance as the first type – a package plan, which is a comprehensive travel insurance policy that combines a lot of coverage options into a single plan that’s intended to cover all the mishaps and disasters that could occur on a trip. Package plans are the most common type of travel insurance sold, but it’s also the most expensive type of travel insurance – costing between 6 and 8% of a traveler’s total trip cost.

The following travelers need a travel insurance package plan: Travelers who are taking a once-in-a-lifetime trip, such as for a sporting event, an anniversary, a honeymoon, etc. If the trip must be cancelled for some reason, you’ll want to recover your losses.

What to consider: Are you paying for the right coverage or can you upgrade/downgrade as needed to something that you’re more comfortable paying for? When buying the best travel insurance, it tends to be cheaper online and direct through an insurance provider. Travel agents and airlines can get staggeringly large commissions from insurers for selling policies, sometimes up to 50%. Do your research just in case you discover an anomaly.

There are two main types of travel insurance – single-trip, which only covers one getaway, or annual multi-trip, which covers you for every trip you make over the course of a year. A single-trip policy is best for people who will only go on one holiday in a 12-month period, and can cost as little as a few pounds. Annual policies can be a cheaper option if you know you’ll be going away several times in a year.

Buy your travel insurance as soon as you book your getaway. That way, if your holiday is cancelled or delayed before you head off, you can claim for it. Also check the policy document’s small print to ensure you’re covered for the total amount you paid. Another consideration might be redundancy cover if you are concerned about losing your job.

You want to make sure your travel insurance policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital. If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well. This protection should cover an expense of up to $300,000 USD. Additionally, evacuation also should mean from the hospital to your home country. Standard emergency evacuation coverage frequently only moves you if your current facility is inadequate, or if it’s “medically necessary”, and then pays for a flight home after you’ve recovered.

          -คุ้มครองทุกการเดินทางทุกประเภทการเดินทาง ไม่ว่าจะเป็นการเดินทางด้วยรถยนต์ส่วนตัวหรือรถโดยสารสาธารณะ รวมทั้งในเรื่องระยะทางการเดินทาง ไม่ว่าจะใกล้หรือใกลแค่ไหนก็คุ้มครองชนิดที่เรียกว่าครอบคลุมเลยทีเดียว

-คุ้มครองทุกอุบัติเหตุที่เกี่ยวข้องกับการเดินทาง ไม่ว่าจะเกิดจากปัจจัยภายนอกที่อาจเกิดจากสิ่งแวดล้อม เช่นน้ำท่วม ไฟไหม้ พายุฯลฯ หรือปัจจัยภายในที่เกี่ยวกับยานพาหนะที่คุณกำลังเดินทาง ซึ่งคุณสามารถซื้อประกันอุบัติเหตุเพิ่มเติมได้หากต้องการให้คุ้มครองส่วนอื่นๆเพิ่มเติม ตามแผนประกันนั้นๆ

-ซื้อง่าย สะดวกสบายและเนื่องจากเป็นประกันการเดินทางโดยเฉพาะ จึงมีระยะเวลาสั้นทั้งการจ่ายเบี้ยประกันและการคุ้มครอง จึงถือว่าจ่ายเร็วและปิดจบเร็วกว่าประกันอุบัติเหตุแบบอื่นๆ

About the author