When it comes to planning for an upcoming trip, there are several items you must check off your travel to-do list. Finding the best travel insurance provider for you, however, should top your list of priorities. By doing so, you can be reassured that the health of yourself and your loved ones is in good hands throughout the duration of your trip. Continue reading to find out everything you need to know.
Do your research
As is the case when organising any type of insurance or just planning a holiday in general, you must do your research beforehand. This includes researching providers in your local area, providers that specialise in a particular type of coverage, and providers that have high customer ratings. By doing so, you should be able to find a travel insurance provider with a sufficient level of coverage to suit you and your family’s individual lifestyle and budget and enjoy a stress-free trip from start to finish.
If you are flying it is important to consider insurance cover for delays, cancellations and technical difficulties. One way to get around these issues is to hire a private jet- the cost to rent a private jet might surprise you.
Choose between single or annual coverage
As well as doing your research, you must also choose between single and annual coverage. Which option you choose depends on a number of factors including how often you travel and how long you intend to stay at your travel destination. If you only plan to travel no more than twice in the next 12 months, for example, single coverage should suffice. If you plan to travel multiple times in the next 12 months or are a frequent flyer, on the other hand, annual coverage is likely to save you a great deal of time and money.
Assess your medical history
Before you begin the process of finding the best travel insurance provider for you, you must assess your medical history. This may sound like an obvious point, but it can have a dramatic impact on the level of coverage you are offered. If you suffer from a medical condition, a top-rated travel insurance provider should be able to explain the process from start to finish and discuss your available options with you. For example, Staysure have a good range of travel insurance options for travellers with pre-existing medical conditions with no upper age limit.
Ask a broker for help
If you are struggling to navigate the process of finding the best travel insurance provider for you or just need a helping hand, a broker should be able to point you in the right direction and answer any niggling questions or queries you may have. In the UK, for example, you can get in touch with the British Insurance Brokers’ Association (BIBA) for help and advice or to ask for a suitable recommendation. They can provide you with the contact information of a broker to suit your individual lifestyle and budget and get you on your way to ensuring you and your loved ones are sufficiently protected.
Check if you already have travel insurance
Before you begin the process of finding the best travel insurance provider for you, you must find out if you already have travel insurance. This may sound like a strange point but with a growing number of bank account packages now offering travel insurance as an added extra, you must ensure you are sufficiently covered for the travel destination you intend to visit before making any assumptions.
If you are in the process of planning a trip, you must organise travel insurance at the earliest convenience. But if you are unfamiliar with how to do so, there are several factors you must consider. For example, you should do your research, choose between single or annual coverage, assess your medical history, ask a broker for help, and check if you already have travel insurance.