Travel Insurance Tips and Tricks

"If you can’t afford travel insurance, then you can’t afford to travel”.
It’s that simple. Let’s face it. You don’t hesitate at purchasing car insurance when you buy a car, or house and contents insurance when you buy a home. So why not travel insurance??
Honestly, buying travel insurance can be so cheap it’s a no-brainer. Peace of mind is priceless!

I would much rather spend an extra $100 or so for our trip and most likely never use the insurance than wipe out my bank account if something did happen.

Call it what you like – vacation insurance, trip insurance or holiday insurance, not having insurance is not worth the risk. Anything can, will, and sometimes goes wrong. If it does and you are not insured, you can be up for a lot of money AND inconvenience.

Travel Insurance Tips and Tricks
Travel Insurance Tips and Tricks

Travel insurance is designed to cover unexpected medical emergencies and events such as trip cancellation, your personal effects, lost, stolen or damaged luggage by an airline, and other related losses incurred while traveling.

Travel Insurance Tips and Tricks

Which travel insurance is best for you? There are different levels of coverage depending on:

  • the plan
  • the insurance company you purchase with
  • the size of your deductible (excess)

Some policies offer lower and higher medical expense options; the higher ones are chiefly for countries that have high medical costs, such as the United States.

What type of Travel Insurance You Need 

Travelers often ask us what type of travel insurance they need for their particular trip. Essentially, there are three types of travel insurance plans: package plans, travel medical plans, and specialty plans that limit the coverage to specific options such as evacuation/repatriation, car rental, or flight accidents for example.

Cheap Travel Insurance

A quick word about cheap travel insurance policies. Getting the cheapest travel insurance policy is not always the best strategy. This could cost you a lot more in the long run if you do not get the right policy for yourself.

Travel insurance companies care about reducing their expenses (i.e their payout to you). The best travel insurance policies and companies provide good coverage and will work with you to give you the best experience possible.

Travel Insurance For Pregnant Women

You are hoping for some rest and relaxation before baby arrives and have decided a holiday abroad would be perfect. Travel insurance is always an important factor of any holiday however if you are expecting it is more important than ever to find a policy tailored for travel insurance during pregnancy.

It is important to shop around for this type of cover. Some providers will cover travel insurance for pregnant women as part of their standard travel insurance policies however other insurers will offer this as an individual policy.

Policies vary greatly in what they will include and what they exclude and therefore it is important to read the policy wording.

Generally speaking most travel insurance policies for pregnant ladies will provide cover for travel up until the 28th week of pregnancy, provided you have a single, normal pregnancy. This is because travel after 30 weeks of pregnancy is considered higher risk, with the instances of pre-term birth increasing. Whilst some insurers will cover for slightly longer its is common for them to stipulate that the pregnant woman must return at least 8 weeks before their due date - which is roughly 32 weeks pregnant. Please note that this is always subject to the rules of the carrier too. If the airline would be unhappy for you to travel past a certain week of pregnancy then your travel insurance policy would not cover you.

Travel insurance for pregnant women would usually cover your basic travel requirements such as lost luggage and cancellation or delay as well as lots of extras such as enhanced medical cover and emergency repatriation which is great to have for peace of mind.

Holiday insurance during pregnancy is essential and the best policy for you will very much depend on your individual circumstances. Compare available policies and remember that cheap travel insurance for pregnant women does not always mean comprehensive

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