How to Get Affordable Travel Insurance


Don’t forget to get insured before you travel. In fact, it’s a good idea to take out your insurance as soon as you have decided to go. This way it will be all paid for well in advance – and you will also be covered if for some reason you have to cancel your trip.

Remember that you are more likely to suffer an accident or theft when you are abroad then you are at home! (But don’t let that put you off going!)

Here is what you should be covered for:

  • Medical treatment: Whilst it is true that nationals of many countries worldwide can get free emergency medical treatment in many European countries under a reciprocal agreement it is not really a good idea to rely on this. Facilities are often overcrowded and difficult to find and, in some countries, may be of poor quality. If you have medical insurance you will be able to use any hospital, even a private one.

  • Personal accident: This is quite different from medical insurance. If for example, you are involved in an accident such as a traffic accident or a fall, this will cover your expenses and provide compensation.
  • Baggage insurance: This will cover theft, loss or accidental damage to your possessions. Go for a policy which will provide an immediate cash sum if an incident occurs. This way you will be able to replace your possessions immediately.
  • Legal expenses: Will pay for legal assistance if you are arrested or some claim is made against you.

There is a very wide range of travel insurance schemes available today. They vary widely in price and coverage so best check a selection and go for one that offers the best coverage at the lowest price.

If you are staying away for more than a month it may be a good idea to consider an annual travel insurance policy which will work out cheaper than a month-by-month policy. These policies are sold by some banks and building societies.

Useful tips

  • If you intend to work remember that most travel insurance policies are intended for holiday-makers and so will not cover you whilst at work. When working you should be covered by your employer’s insurance although not all have this.
  • If you intend to undertake any dangerous sports remember that a standard travel insurance policy may not cover you. If it does you may have to pay an additional premium. Most travel insurance companies include skiing, parascending and scuba diving as dangerous sports.
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About the Author: Carl Tackett is a travel enthusiast. He has traveled to over 50 destinations all over the world. Currently, he is residing in England. He loves to write about traveling and helping fellow travelers.

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