What to check before buying travel insurance

Travel insurance is very important in case unexpected events occurs. What happens if: You need to cancel your trip unexpectedly? Travel insurance is not intended to be a substitute for your health insurance policy in your home country. Whilst there is a medical component in your travel insurance policy that can cover a sudden illness or accident, the level of that cover depends on what plan and provider you choose!

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 an 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: Many policies will be null and void if something happens while you are under the influence of alcohol or drugs! 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.

Many standard travel insurance policies won’t include high-risk activities, such as scuba diving or skiing. So it might be worth taking out a specialist single-trip policy to cover a particular holiday. If you opt for annual multi-trip travel insurance, check how many days come under your ‘maximum trip duration’. Most insurers will cover individual trips of up to around 31 days. If you are planning on being away for longer, speak to insurers directly or opt for specialist cover.

You can buy travel insurance up until the day you leave for a trip. Most policies take 24-48 hours to activate. They don’t start instantaneously! You can buy travel insurance even after you’ve booked your flight, so long as the policy is activitated before you depart on your trip! Even though you can wait until you leave, it’s best to get your travel insurance as soon as possible. Every day you wait, there’s a chance something could happen and you can’t get a travel insurance after something goes wrong. If a hurricane ruins your trip, your travel insurance would only cover you if you bought it before the hurricane formed. Buy a plan the day after you go to the doctor but before he tells you you’re sick? Your plan won’t cover you since your original visit happened BEFORE the plan!

การเลือกประกันการเดินทาง นั้น มีมากมายหลายชนิด แต่หากท่านได้ลองเปรียบเทียบประกันแล้วๆจะรู้ว่าแต่ละแบรนด์หรือบริษัทประกันส่วนใหญ่ให้นั้นจะคล้ายๆกัน แต่จะต่างกันตรงเบี้ยประกัน และ การคุ้มครอง ที่ส่วนใหญ่แล้วขึ้นกับจำนวนเงินที่ลูกค้าจ่ายไป ดังนั้นการเลือกประกันเดินทางที่ดี ก็ควรศึกษาให้ครอบคลุมและไม่ให้พลาด การคุ้มครองบางอย่างที่ไม่คาดฝันไป เช่นข่าวคนไทย ไปเที่ยวอเมริการแล้วโดนทุบรถ แต่ประกันไม่รับผิดชอบในส่วนที่เป็นของหายระหว่างการเดินทาง จึงทำให้เสียโอกาสไปอย่างน่าเสียดาย ดังนั้นจึงจำเป็นอย่างยิ่ในการตรวจสอบข้อมูลประกันการเดินทางให้ชัดเจนเพื่อประโยชน์สูงสุดของท่านเอง

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