Insurance Tips and Resources » Best Travel Insurance

How to save on travel insurance

Alissa Ben — Thu, 21 Jul 2011 10:22:59 +0000

Travel insurance has long been considered to be a necessary evil – necessary because it’s important to protect against the unexpected and evil because it’s an extra expense when you may have already spent a small fortune on the trip away itself. However, travel insurance is an expense you can reduce with a little guidance. Read on for more details.

Shop around. Cheap deals are not as difficult to source as you might think, especially with the help of the Internet. Moneysupermarket area price comparison website that specialise in getting travellers the best deals possible. Within a few minutes of inputting all your relevant details, you’ll be presented with quotes from as many as 50 different companies, which means thatyou no longer have to spend hours ringing around and approaching insurers. Instead, you’ll get an instant range of offers that could save you a worthwhile amount on your travel insurance. Click here for more information.

Think carefully. If you’re a frequent traveller than you need to get out of the habit of purchasing separate travel insurance every time as it works out more costly to do it on a trip-by-trip basis. Taking out a multi-trip policy or annual cover may result in a higher initial outlay, but it’ll more than pay for itself in the long run as it’ll be cost-effective. Any business types among you can think of it like economies of scale – the more cover you buy, the cheaper it becomes. You may also be able to take advantage of discounts by insuring more than one person on a policy, while family travel insurance is also available. Only get insured for what you need; otherwise you’re wasting money.

Pick a higher excess. When you’ve find a policy to fit your exact needs – and remember that a standard policy won’t cover you if you’re planning on doing any extreme sports like skiing while you’re away –just hold fire before you go ahead and buy it.It’s well worth giving the insurer a quick ring first to find out whether volunteering to pay a bigger excess will drive down the cost of the overall policy. Obviously, this means you’ll have to foot a larger bill in the event of having to make a claim, but it could be a risk worth taking if you ultimately return back home safe from an incident-free holiday. Only you can decide whether or not this option is worth the gamble.

Long Stay Backpacker Travel Insurance for Gap Year Travel

Alissa Ben — Mon, 13 Jul 2009 06:18:33 +0000

Backpacking is the only way to travel especially for students who don’t have steady source of income. If you are a student and taking one year gap for a tour around the world make sure you have long stay travel insurance.

Unwanted events like accidents or illness can happen during your tour. And you are bound to extend your trip. Long stay backpacker travel insurance policies help in such conditions. If you are between the age of 18 and 35 you are eligible to enjoy the following facilities:

• Cover for foreign tours from 1 month up to 18 months
• Cover for wide range of adventure sports and activities as standard
• Round-the-clock emergency helpline
• Medical treatment facilities depending on the amount of policy premium
• Repatriation, personal liabilities and legal expenses
• Loss of luggage or delayed receipt of personal belongings

As you know, backpacking is not just about flying to places, staying at 5-star hotels and sightseeing. It entails adventure as well as hazards of living and traveling in an unknown place on your own. Hence it is wise to secure your trip with backpacker travel insurance.

Student travel insurance policy covers you from health related risks abroad

Alissa Ben — Fri, 05 Jun 2009 12:05:54 +0000

Image: backpackerstravelinsurance.co.uk

If you plan to go abroad for your studies, it is important to get yourself covered by students travel insurance. An unforeseen emergency may require you to foot huge bills. The right kind of insurance cover secures you from any such calamity in a foreign land. But before you go in for travel insurance, have a good look at the activities for which you can get coverage. 24/7 travel insurance covers 70 activities. This includes coverage for adventure sports like hike, scuba dive or bungee jump.

Start by enquiring about risks associated with your destination from the Foreign & Commonwealth Office. They can provide you with essential travel advice and up to date country-specific information. All this will enlighten you on the kind of coverage you need during your stay in the country.

Do not choose your student travel insurance policy by its cost. Take your needs more into account. Always buy a policy that will cover you for the entire duration of your trip and for each country you plan on visit. This is essential if you’re going on an around the world adventure or a gap year. It is good if you even get coverage for baggage and other possessions.

In case you meet with an emergency get in touch with Student Travel Insurance Emergency Medical Assistance. If you incur expenses for an emergency, keep receipts ready to justify the need for that expenditure. They are vital documents for a reimbursement claim.

Backpacker travel insurance policy provides peace of mind to both students and parents.

Benefits of Gap Year Travel Insurance

Alissa Ben — Fri, 22 May 2009 10:01:56 +0000

Image Source: cheaptravelinsurance.com

Foreign and Commonwealth Officers report that the maximum numbers of calls they receive come from the gar year travelers. These days students are not the only group to take gap years. Employers are encouraging their employees to take gap year. Whatever age group you belong to, gap year travel insurance is must for you to protect yourself against any odd situation.

Not having gap year travel insurance can result in serious disaster if you fall ill or meet an accident or loose passport or baggage. Foreign Embassy can contact your relatives to take you back home but they can’t provide you any monetary help. If you want to avoid spending thousands of pounds in case of an emergency you should pick up a travel insurance policy that suits your need.

Gap Year Travel Insurance: Essential for any Traveler

Alissa Ben — Thu, 30 Apr 2009 06:30:03 +0000

Image Courtesy: gapyeartravelstore.com

These days people travel a lot not only within their own country but also across the world. So it is important for you to have Gap Year Travel Insurance irrespective of your age. Whether you are a student or an employee or just a leisure tourist this insurance is a must for you.

It will be of great help if you fall sick or get injured abroad. In such cases foreign Embassies send little help. They can inform your family or relatives. But you are not going to get any monetary help. This insurance also covers cases like loosing your passport or your belongings being stolen.

So do a little bit of research and pick up the policy that best suits you.

Annual Holiday Insurance

Alissa Ben — Thu, 11 Dec 2008 11:34:32 +0000

Do you planning for a trip or a vacation? And you have packed your bags with the items you need during travelling. But do you buy the travel insurance? If you forgot then you need not to be worry. With the help of internet facilities you could easily purchase the travel insurance with a fraction of second.

It is known to everyone that internet has revolutionized the whole idea of communication. Nowadays people purchase the insurance through internet. In order to get the access to the information regarding travel insurance in UK you simply have to type ‘Travel Insurance’ for your search in search engine. Immediately, Internet would provide you all the profile, name and information of different companies. For the next step you to go through all the pages that provide the information about the travel insurance and then fill and submit the form. The entire process would be done online even the payment are done online and there are no trouble of going personally to the company to deposits the money in cash.

There are various kinds of travel insurance policies like single trip travel insurance, back packers travel insurance, annual holiday insurance, business travel insurance and cruise insurance etc. You could pick any of these insurance according to your wants and financial positions.

There are many advantages of applying online travel insurance which are as follows:

1. There is no need of paper works involved in applying for travel online.
2. Some companies offer discount price for travel insurance if you buy it online.
3. Saves time.
4. You could search for the perfect quote while comfortably sitting in your house or even in office.

Therefore if you are thinking to have the travel insurance for you and your family then there is no need to think anymore just buy it online as it is cheap and saves your valuable time.

What Cheap Holiday Insurance Won’t Cover