Useful Travel Insurance Tips And Tricks In 2020

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What is Travel Insurance?

Travel Insurance is designed to cover unexpected medical emergencies and events such as trip cancellation, your personal effects, lost, stolen or damaged luggage by an airline, and other related losses incurred while traveling.

The importance of Travel Insurance

imagine this. You've saved up all your hard-earned money paid for your rights and accommodation, tours are booked, clothes are packed, and your spending money is just waiting to be spent. Your getting more excited as the days lead to your departure day and for your vacation to finally begin.

in a series of unfortunate events, what if these happen to you:

  • You suddenly need to cancel your trip
  • Natural disasters damage your destination
  • You till or injured on your trip
  • Stolen or damaged luggage and belongings
  • Losing your passport and important documents


Travel insurance provides you with a bit more peace at mind when travelling and will surely benefit you if such events were to occur.

Choosing the right travel insurance for yourself and your family might be a bit confusing a first but once you know the basics and essentials, you may discover that the process of buying travel insurance really isn't that complicated.

If you are planning to take on a travel insurance policy for your next trip or vacation, then follow these tips so that you know where to get started.

a) Know your needs & essentials

It's without a doubt there are tons of travel insurance policies available, to narrow your search for these policies, you have to first have to know your needs and the types of coverage you want.

These include travel destination, mode of transport, activities during the trip, duration of trip, companions, value of goods take along and risk aversion, among many more.

b) Pay attention to exclusions

Bear in mind that almost all travelling insurance policies do not the following:

  • Travelling to high-risk countries
  • Pre existing medical conditions
  • Sport and adventure activities with a high risk
  • Incidents involving being under the influence of alcohol or drugs
  • Severe weather conditions of natural disasters
  • Acts of war, terrorism, uprising or civil commotion


Choose a travel insurance policy with the least Cnclusions and pay extra attention to them when reading an insurance policy.

c) Annual/Single trip policies

To choose the right policy, you need plan ahead and know your travel habits. If you know you are going to travel several times within in a year, an annual travel insurance policy multi-trip policyl cover all your trips and can be far more cost effective.

d) Customer Loyalty

Take time and check your other existing insurance providers (car and house insurance) as many insurance companies offer discounts to existing customers.

However, don't hesitate to make comparisons to other companies as well so you may enjoy the best benefits offered.

e) Cheap doesn't always equal good

Be wary of cheap travelling insurance policies Getting the cheapest travel insurance policy is not always the best strategy as this could ultimately cost you a lot more in the long run if you do not get the right policy for yourself.

Keep in mind that the best travel insurance policies and companies provide good coverage and will work with you to give you the best experience possible 50 make sure to study up and make the right decision on which one suits your needs the best.

However, such policies do have a maximum duration per trip so make sure to double check with our advisors. Otherwise, sticking to a single trip travel Insurance policy might be the better option.

f ) Healthcare

Whilst there is a medical component in your travel insurance policy that can cover a sudden illness or accident, travel insurance is not intended to be a substitute for your health insurance policy in your home country.

Moreover, the extent of the coverage heavily depends on what plan and provider you choose. Read and understand your insurance policies beforehand to avoid confusion.

g) Travel Insurance for domestic travel?

While most travel insurance offer policies for travelling abroad, there are quite a few domestic travel insurance options as well.

This is completely up to you. You can get policies that can fit in with your health and home insurance so you pay for only what you need. Take policies that suit your interest and coverage the best.

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