Five Tips For Buying The Best Insurance Policy
Travel insurances are designed to cover numerous unexpected medical emergencies and circumstances that may occur such as trip cancellations, lost and damaged luggage or any other such mishaps that may occur during travelling. There are different levels of coverage and they depend upon the insurance company you purchase the insurance from, the plan which you opt for and the size of your deductibles. These are some of the things that you should keep in mind while purchasing travel insurance for yourself.
Extent of Coverage
You should make sure that you are well aware of every minutest details of your travel insurance. Whether your insurance plan covers the medical expenses occurred abroad, or the reimbursement can be availed on treatments in your home country too?
Annual Policy or A Single trip Cover?
Depending on your travel habits you can opt for either annual policy or a single trip cover. If you don’t travel too frequently, you should opt for single trip cover as there is no use in paying premiums for the span of time you aren’t going to travel. Meanwhile, if you happen to be a frequent traveller you should opt for annual policy. Leisure Guard has all your holiday insurance needs covered. With three levels of cover and the choice of single trip or multi trip insurance you can pick the policy that suits your needs.
Compare the rates
Travel insurances tend to be cheaper when bought online and directly through an insurance provider. Airlines and travel agents can extract a large amount of commissions from you for selling insurances. You must do a lot of research while purchasing travel insurance. You can save up to 15% on your insurance cover by purchasing them Boots Travel insurance and avail maximum benefits on your insurance cover.
Conditions of the Cover
Many Policies do not insure people over the age of 65 irrespective of their fitness levels. Even if they do, the premiums for such covers are generally higher. It is better to take up a different cover if someone in your group over 65 or else everyone in the group shall have to pay extra. Moreover, if you have pre-existing medical ailments, the insurer shall not cover them. You must share all the details with the insurer. Some insurers may cover certain conditions for a small extra premium or, if your condition allows it, refer you to a specialist insurer.
Inclusions and Exclusions
Even horse riding comes under risky activities and in case your itinerary involves adventurous activities, such as hiking, paragliding etc. then you should make sure that your insurance covers these activities. At the same time you shouldn’t blindly opt for the cheapest insurance plan as they may impose several restrictions and unwanted conditions.
These tips shall save you from choosing the wrong insurance cover for yourself and at the same time you shall be able to benefit the most from them.