11:43 07 March 2013
If you plan to travel, whether it is a one-time trip or an adventurous backpacking jaunt across the country, compare what is being offered by travel insurance companies to make sure you get the type of travel insurance that give you the specific coverage you need.
•If you are playing any type of sports, look for coverage that includes a variety of sports while travelling. Some travel insurance companies cover up to 100 different sports.
•If you are backpacking through the countryside definitely look for travel insurance companies who can give specialized coverage since there are unique needs and situations which can arise such as lodging, mugging, theft, and others.
•If you’re very concerned with your budget, you’ll obviously want to compare prices. Your coverage could be as low as £3.00 depending on the length of your trip and what type of coverage you need.
•For any travel insurance companies you are considering, ask about the exclusions and make sure to compare those with exclusions of other companies offering similar coverage.
•Find out if they offer either standard or as an add-on, coverage to pay car rental excesses in the event a rented vehicle suffers damage or theft.
•Check the natural disaster coverage for companies and find out how extensive the coverage is. You may experience anything from volcanic activity which could cause medical issues due to exposure to ash. There are also potential earthquakes, hurricanes, tornadoes, and tsunamis.
•Flexibility is another factor to consider. If you are unsure of the length of your stay, or if you are delayed look for a travel insurance company that is able to accommodate that without extra fees above and beyond typical premiums.
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