Revenge travel is all the rage, and if you’re planning to spread your wings for some sightseeing, you’ll want to do everything you can to ensure you have a vacation of a lifetime.
Of course, travel insurance is essential for any trip, so here are four questions to help you make a better choice when it comes to buying your next travel insurance.
What are the approved reasons for trip cancellation/change of plans?
The reality is travel plans can change or even end up cancelled due to events like sudden illness or an emergency at home. No one wants to pay for unforeseen circumstances, and thankfully, most insurers cover a limited number of reasons for these hiccups.
Pick a travel insurance cover flexible enough to accommodate any changes or cancellations to your travels with as little hassle as possible – even if they’re last-minute!
What destinations are covered?
There are countries unfortunately divided by civil or political unrest and for many reasons, perceived by insurers as higher-risk destinations. Be mindful of this or you may end up paying for a cover only to have your claims rejected.
Check through the list of covered countries – especially if you’re planning to travel across continents!
What medical and emergency benefits are there?
Your health and wellbeing are paramount, especially in the time of a global pandemic when medical resources may be low and doctor fees high at your destination. Whether it’s a common cold, eating some dodgy fish or a bad bump during your road trip, it’s essential you’re looked after and able to recover comfortably.
Overseas medical expenses and hospital income can pile up, so always check with your insurer to be certain of what expenses will be covered and to what extent.
How will I receive my claims?
Depending on the type of insurer you go with, your payout could come in the form of a cheque, bank transfer or mobile banking, so finding a convenient method for you is imperative.
No one wants to recuperate as they fret about a dwindling bank balance, so a payout option that suits your lifestyle is important.
With a number of long weekends on the calendar and annual leave that you have to use up before the year is up, you might have a trip planned for the holidays, so remember to ask these questions, do a final check and have an amazing trip!
