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How to Compare Various Travel Insurance Packages We all know that travel insurance plans can differ widely in benefits, features, and prices. Some offer just a little more cover for a slightly higher cost, and the least expensive option is not necessarily the best you have. If you’re looking for the right travel insurance plan to cover you on an upcoming holiday, here are tips to help you out: LEVEL OF COVER – This is obviously the first thing you need to look into. For instance, is the policy going to include coverage for medical emergencies, travel delays and baggage loss or theft? Before you begin to compare different policies, make sure you’ve already listed down the features and benefits you want. AGE FACTOR – YOur premiums will be affected by your age. Older means more expensive premiums.
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MEDICAL CONDITION – If you have an existing medical condition, you have to be honest about it with the insurer, even if this is going to increase your premiums a little. Otherwise, you won’t be able to make any claim, whether or not related to your existing medical condition, as your policy will be automatically voided.
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BAGGAGE LOSS OR THEFT LIMITS – You can get coverage for baggage theft or loss, but note that it is not necessarily full. The claim is often limited. There are certain items (mobile phones, for example) that travel insurance does not cover, but it’s easy to buy add-on coverage for them if you want to. TRIP CANCELLATION – Some plans provide compensation for holiday cancellation, but you have to ask how much exactly. If you’ll be on a cruise, which normally costs thousands, will you be covered by that much? SINGLE-TRIP INSURANCE – As you might expect, single-trip insurance may not give enough protection if you’re going on a cruise. A plan that is specialized for cruises will be your best option. If you’ll be traveling for more than a month, cruise or not, you will still need specialist insurance. SINGLE-TRIP VS. ANNUAL – If you travel more than once in a year, annual is better; otherwise, you’ll save more with single-trip coverage. FAMILY INSURANCE – This may not include stepchildren. TRAVEL ADVISORIES TO CERTAIN COUNTRIES – Your policy could be voided and you may be unable to make a claim if you travel to a country that your government has officially advised the public to avoid. If you’re just not sure, double-check with the insurer. SPORTS COVERAGE – If you’re going skiing, for example, you may not be covered by standard travel insurance. If you want to buy the right travel insurance for you, make comparisons of different plans from different companies. This is your only way of knowing which among them is the perfect one for your needs.