How to Choose Travel Insurance

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How to Choose Travel Insurance

Your travel bags? Check. Your airline tickets, your passport, and all traveling documents? Check. Your digital camera to capture the scenic moments? Check. You’re pretty sure everything you need to bring to your vacation spot is all ready for the trip. Everything’s secured, except you. Most often, people disregard the value of a travel insurance. They think that it is just an addition to their travel expenses and that they don’t need it that much, not unless they’re anticipating an accident to happen...

Challenge Steps

Check if the insurance company you are considering have international recognition or at least to the country you are traveling into. There are a number of internationally recognized insurers who have a network affiliates that could offer you assistance within and outside the country you’re visiting.

Make sure that the policy you are buying includes traveling to the country you are planning to visit. Don’t forget to get from the insurance company the direct contact numbers and people within and outside the country you’re visiting that could help you facilitate inquiries regarding medical assistance, travel advisories, and emergencies.

Ensure that the insurance you are getting covers your medical condition, just in case you have important medical histories.

Check the refund policies. Make sure that you understood very well their policies. Some policies will refund your money if you cancel months in advance, but take note that there are only few insurance company who are giving refunds if you cancel at the last minute.

Find out about cancellation waivers. Cruise and tour operators may offer cancellation waivers. This means for a fee, they will reimburse you a portion of your cost if you cancel for any reason up to 24 hours prior to departure.

Do some basic research for different few plans and then compare them.

Read the Insurance fine prints carefully and make sure you understand what is covered and what is not; what is included and what is not included in the policy. Do not rely completely on what the agent tells you.

Buy from a licensed agent/website, authorized to sell the policy. Check the license number or licensed ID if necessary

Lastly, buy the travel insurance policy well in advance, do not wait till the last moment