What to Look for When Buying Travel Insurance

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What to Look for When Buying Travel Insurance

No matter whether you are going on an expensive cruise, travelling through Europe’s most famous cities, or travelling to the other side of the world to visit family, it is vital that you have travel insurance. Here, we are taking you through exactly what you should be looking for when you are purchasing travel insurance.

What Will It Cover?

This may seem like an obvious question, but as every travel insurance policy is different, it is extremely important that you know exactly what it is that you are being covered for. Some of the things that you will want to look out for include emergency medical treatment, your transport being delayed or cancelled, and even your trip being cut short. It can also cover you for any baggage that is lost or stolen.

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Getting Specialist Cover

How much you pay for your travel insurance all depends on your age and medical history, but if you need specialist insurance, it is important that you make sure your medical conditions are completely covered. If you have a pre-existing medical condition then you will need to make your insurer aware of this, otherwise you won’t be covered whilst abroad. You can get Staysure travel insurance for those with medical conditions and they will be able to tailor your policy so that you get good value for money and you can travel with complete peace of mind.

Look at Your Yearly Travel Plans

Are you going to be taking just one trip this year? Or are you lucky enough to be taking multiple? Then you will need to decide what type of travel insurance is going to be the most cost-effective for you. This could be single trip cover, multi-trip cover, or even annual cover. Just remember that your travel insurance cover will change depending on whether you are remaining in Europe or travelling worldwide as this will change your policy.

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Read the Small Print

One thing that most of us are guilty of doing is not reading the small print of our travel insurance policy. Take a look at the small print, however, as this will give you a good insight into how to submit a claim, how long the process takes and other details such as what will happen if you have to cancel before you go on holiday. Our biggest tip is to get your travel insurance sorted as soon as you book your trip to ensure that you are covered in the case that you need to cancel or amend your trip.

Age Limits on Travel Insurance

Once you reach a certain age, you will find that your travel insurance premiums rise significantly. This is especially true once you hit the age of 65. You will need to make sure that your insurer knows your age and it is best to go with an insurer who will provide for the upper limits of expensive medical emergency expenses and will cover any pre-existing medical conditions up to a specific age. As an example, Staysure will provide up to £5 million for medical expenses with their travel insurance packages.

As you can see, it is important that you do no simply choose the first travel insurance provider that you find and that you shop around for the best one for you and your specific needs – which is particularly true if you are of a certain age or have any pre-existing medical conditions. Before making a final decision when purchasing travel insurance, ask yourself each of these questions and this will ensure that you are choosing the very best travel insurance for you.

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