When you travel, there are a lot of things you need to do to prepare for your trip — from booking flights to packing your bags, your plate is probably pretty full. But one thing you should not leave until the last minute is buying travel insurance. Whether you’re going on a Caribbean cruise or traveling to the 32,595 square miles of Ireland, travel insurance can help ensure you’ll be covered if something goes awry on your trip. So to help you get the right travel insurance for your next trip, here are a few simple tips.
Your medical insurance most likely only covers medical expenses in your country. So if you’re traveling to another country and end up needing medical care, you may not be covered. While no one wants to think they’ll get sick or hurt while traveling, it’s always a possibility. And if you don’t have coverage, you may end up with a massive healthcare bill. This is especially true in countries like the U.S., where healthcare is costly. And while there are 300 bills currently waiting for Senate action, there probably won’t be any changes to healthcare costs anytime soon. So to make sure you get the healthcare you need without a hefty bill, consider getting medical coverage with your travel insurance.
Not all travel insurance packages are the same. And because of this, you need to make sure you fully understand what is not covered by your travel insurance. For example, medical travel insurance packages usually don’t cover alcohol- or drug-related accidents or any incidents that occur during extreme activities like bungee jumping. And most travel insurance packages won’t cover lost or damaged luggage if it’s a result of you simply being careless and left it unattended. It’s important to know what your insurance does and does not cover so you can know what to do if something goes wrong on your trip.
With 53% of travel being booked online, it’s very easy to add custom features to your trip — from excursions to different hotels, your trip is going to be personalized to what you want to do. And with your trip being customized, your travel insurance should be customized as well. The great thing about travel insurance, besides being able to rest easy knowing you’re covered if something goes wrong, is that you can tailor your insurance plan to your specific trip. So if you’re going to be doing any high-risk activities, like skiing or swimming with sharks, you can take our a specialist policy to cover those activities. You can also tailor the plan to how many days you’re going to be traveling, whether or not you’re going overseas, and any special medication requirements you may have. Make sure to take the time to design your plan so it truly fits your needs for this specific trip.
Traveling can be a lot of fun, but it’s even more fun knowing you are protected if your luggage gets lost or you get hurt. So before booking your next trip, consider looking into travel insurance to give you peace of mind.