Post Last Modified – March 24, 2025 ¦ gr8traveltips.com
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Helpful Tips For Purchasing The Right Travel Insurance Policy
I’ve always said for years that if you can afford to travel, you can afford travel insurance. Below, are just a few …
Travel Insurance Tips
for purchasing the right policy for your specific travels and current health. Let’s have a look at a few important things to you should take into consideration. First, check out this quick video from CNBC Television on 🧳 Buying Travel Insurance.
It’s important that you know exactly what’s covered and what’s not, when purchasing your insurance for travel.
CNBC Television Travel Insurance YouTube Video
Selecting The Right Coverage For Your Current Health
Travel Insurance Tips For Purchasing #1
This is perhaps one of the most important things You Must Know and be able to provide to your insurance agent, at the time of purchase. This is especially so, for us baby boomers and more mature adults.
Do you have a pre-existing medical condition that must be disclosed
This can greatly affect your coverage or depending on the severity, exclude you from any coverage at all. It’s vitally important that you check with an insurance agent, to ensure you can be covered for your pre-existing medical condition.
There are usually set time limits associated with this, so make sure you do fall within their guidelines.
Coverage For Your Specific Travel Destination
Travel Insurance Tips For Purchasing #2
Depending on your intended travel destination, there could be travel advisories or restrictions in effect. These restrictions could be associated to; safety concerns, political issues, weather warnings and so forth.
So it’s always good to check with your local government websites, on any specific travel advisories for your intended destination, prior to booking your journey.
Travel Insurance Tips For Purchasing #3
This is something often overlooked by most everyone, and is especially important for those
active and …
Extreme Travel Enthusiasts 🧗
Depending on what you have in mind and how extreme the activity may be, you may not be covered for any medical emergency that arises.
You may have to add a {special peril} to your coverage if say for instance, you plan on; Bungee Jumping, Sky Diving and/or Driving a Race Car!
As an avid 🤿 Scuba Diver, I always double check that my medical insurance will cover this activity, when I’m traveling abroad. I do know that most insurance companies require 🤿 Scuba Divers to be; Formally Certified, in order to be covered.
Best Travel Insurance For Long Term Stays Abroad
Travel Insurance Tips For Purchasing #4
This is important and something to consider, as it can possibly save you a great deal of money in the long run.
Do you travel multiple times of the year
Perhaps you’re one of the lucky ones Snowbirds, who possibly escapes to a warm destination for the winter? Then definitely look into an; Annual or Multi-Trip Coverage with your insurance provider.
We always purchase an annual plan to a maximum amount of days, that we will be away at a time. This saves us a considerable amount of money from having to purchase coverage, for each and every trip we take.
Travel Insurance Coverage Tips For Baggage
Travel Insurance Tips For Purchasing #5
Depending on where you’re traveling to and if multiple flights are in your travel plans, then it may be worth your while to purchase 🧳 baggage insurance coverage. It really doesn’t cost much, to add this inclusion into your policy.
Should you arrive at your destination without your 🧳 luggage and within hours in most cases, your coverage will allow you to purchase clothing and items needed, up to a certain dollar limit.
We had a family member travel from the cold winter in Canada, to a sunny tropical holiday destination, arriving without their 🧳 luggage in hand. Not good, when you don’t have your bathing suit or light clothing for a few days after arrival.
Worse yet, in extreme cases, your 🧳 luggage could become lost for good!
With the convenience of cell phones and digital cameras these days, it’s always good to; take a picture of your luggage. Having a picture, will be great to have should you have to make an insurance claim and/or for tracking and recovery purposes.
A few seasons back, our son traveled abroad with his luggage gone awol. It took months for it to be traced and returned. That’s his returned bag many months later, in the photo above!
When we’re heading on a tropical vacation, we always pack beach clothing and other items into our carry on baggage, just in case.
Trip Cancellation & Interruption Insurance
Travel Insurance Tips For Purchasing #6
We all know when we least expect it something always seems to happen, and especially while we are away from home. Perhaps you need to cancel your journey for a specific reason, or have it interrupted for a number of reasons while traveling.
This is where {Trip Cancellation and Interruption Insurance} can be very worthwhile, should the need arise. It’s definitely worth checking into for the small additional cost added to your policy. Especially if you’ve spent a great deal money for your vacation!
Travel medical and other related insurance is vital, when traveling abroad or elsewhere. Should you become; 🤢 ill or 🤕 injured while away, your medical and hospital bills could cost you thousands of dollars a day, without any coverage.
This is something you never want to take any chances with and be caught without, when away from home. I’ve always said …
“If you can afford to travel, you can afford travel insurance!”
Many credit card companies offer travel insurance coverage, associated with their cards.
In fact and for many years now, we have had such a card that offers; medical, luggage loss, trip cancellation, trip interruption and rental car collision coverage. This is great, but do make sure you double check with your card provider, on exactly {what is and what is not} covered in their plan.
For example, most only allow medical coverage up to the age of 65 and for a certain maximum time period.
I always make sure I have access to their; {coverage and contact numbers} on hand, whenever we travel.
I usually email all my important documents to myself, for easy access if needed.
Below, I’ve included a link to Pacific Blue Cross, directing you to their article on; travel insurance purchase mistakes, to be avoided. Just another good read for help in selecting the right coverage for you.
Pacific Blue Cross – Buying Travel Insurance Mistakes
Update
Many concerns have been and still are being raised, regarding your travel insurance coverage relating to the; Covid Pandemic. It’s vital that you understand and review the {small print} on your travel insurance, well before travel.
Things are changing regularly with insurance providers, now that travel is in full swing once again. Many airlines, vacation packages, cruises and so on, had introduced; Covid-19 travel protection. This is great, but as one travel expert recently stated …
“You still have to be clear on exactly what that coverage includes!”
For example, your local government may have a {travel advisory} in place for your destination, warning against all but essential travel.
This could very well exclude your coverage!
It’s important to read your policy documents carefully and check with your provider, to confirm; what is and what is not included. Check official websites for policy changes, or contact your provider for more details.
They will be up to date on recent changes that may have occurred.
Again, always read the fine print and discuss your policy with a professional, to avoid any unexpected surprises when traveling.
Safe and Healthy Travels!
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