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Travel Insurance

Why you should avoid cheap travel insurance

There’s no question that no one wants to pay more for travel insurance than they have to. However, there’s a big difference between paying for cheap travel insurance and insurance that’s the best value for your money. Below, we’ll look at why you should avoid cheap travel insurance and how to get affordable travel insurance instead.

Cheap travel insurance

Generally, cheap travel insurance is the minimum amount of cover you can get for travelling. This can include medical expenses if you get injured or ill abroad and personal injury cover for accidents. In other words, you under-insure yourself to save money by paying for the least amount of cover.

Unfortunately, this tactic forces you to pay for expenses out-of-pocket in case of an emergency, accident or unforeseen circumstance. For instance, if your partner suddenly falls ill before your trip and you have to stay behind to take care of them, a cheap insurance policy will most likely not cover trip cancellation or missed departure. So, you’ll spend more money buying new tickets and rebooking accommodation, resulting in losses.

Additionally, cheap travel insurance may not cover damage caused by you, e.g., causing injury or damaging property. However, with a comprehensive policy, you can purchase such cover at an additional cost, guaranteeing you’re protected.

All in all, with cheap travel insurance, you’ll end up spending more to cover your travel than you had saved when buying your policy.

Remember, accidents happen, and no matter how careful you are, you can’t avoid them. Your luggage can get stolen at the airport or hotel, or you can be robbed in a new country. In this case, you want a comprehensive policy that protects you from a wide range of unforeseen circumstances.

So, how do you get affordable travel insurance?

The best way to get value for your travel insurance policy is to compare policies from different providers. Be sure to ask each insurer for quotes and compare what’s covered or not. This way, you can determine what you need and only pay for that.

Use Compare Insurance tools and resources today to compare quotes and cheap family travel insurance from various providers.

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Travel Insurance

Tips for getting the right travel insurance for your child

Travel insurance for kids is still a relatively new concept in many homes. Most people don’t understand what it entails, while others deem it as an unnecessary expense. However, like adults, children need the best family travel insurance to protect and cover them in case of an emergency or accident. To help you purchase the right cover for your child, here are five tips to consider.

1. Family cover

If your child is going away with relatives or family friends, you might want to consider getting a group travel insurance policy. It’s cheaper than an individual cover and guarantees everyone on the trip is insured as long as they’re listed in the policy.

2. Single-trip

Another great way to keep your travel insurance expenses low is by purchasing a single-trip policy. However, this only works if your child travels once every year. If they travel multiple times throughout the year, you’re better off getting a multi-trip policy.

You can purchase multi-trip travel insurance to cover your kid alone or get a family pack that covers both adults and children.

Always compare single trip and multi-trip costs to see which package is the best value for your money. Although rare, some insurers have hidden additional costs that might make your single-trip insurance a bit expensive.

3. Check your policy carefully

Check over your travel insurance policy details to know what’s covered and what’s not. You don’t want any surprises when filing a claim. Besides, many insurance policies contain exclusions and exceptions that are stated in the fine print but are still confusing.

Luckily, by reading and understanding your policy, you can identify such loopholes and determine whether they can be covered at an additional cost. If you’re unsure about anything, be sure to ask your potential insurer for clarification.

5. Documents

If your child is travelling alone, you want them to access vital travel documentation easily in case they’re needed during the trip. Fortunately, you can use a cloud storage service like Google Docs or Dropbox to upload scans of essential documents, including insurance and passports.

To compare child travel insurance quotes, visit Compare Insurance today.

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Travel Insurance

What to watch out for when purchasing travel insurance

Travel insurance policies can be complicated, particularly if it’s your first time purchasing them. There are numerous guidelines to read and understand, and determining what you need to insure for your travel can be overwhelming. To help you get the best cover, here are four things to watch out for when buying best value travel insurance.

1. Exclusions

Providers structure travel insurance around risk mitigation. This means they only cover you to the extent that doesn’t compromise their business (profits and gains). So, it’s normal to find insurers restricting coverage in certain situations like extreme sports and losses incurred due to intoxication.

Hence, when buying travel insurance, identify the exclusions stated in the fine print and whether you can buy an additional policy to cover them.

2. Exceptions

Travel insurance exceptions are circumstances in which your insurer doesn’t cover all the expenses incurred as a result of a particular emergency or accident. For instance, while your insurer might cover a medical evacuation, they may not cover the actual treatment of your injuries.

So, it’s vital to examine the exceptions listed in your policy to learn about hidden additional costs.

3. Destinations covered

If you’re visiting more than one country, be sure to check that your policy covers every place you intend to visit. Travel insurers tend to avoid covering certain countries, especially if they’re known for having a high crime rate, to mitigate risks.

4. Duration of your trip

This might sound simple, but if you miscalculate your trip and are away for more days than your policy covers, it automatically becomes invalid. Therefore, if you lose any luggage or fall ill on the additional days, don’t expect to be reimbursed.

Calculate the days you’ll be away as accurately as possible, factoring in time zones and delays to ensure that you’re covered throughout your trip.

Bottom line

Travel insurance policies can be hard to decipher, but with these tips, you can ensure you get the coverage you need. Similarly, you can get the right cover by comparing policies and quotes from different providers.

Use Compare Insurance today to compare travel insurance products from top brands.

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Travel Insurance

The ultimate guide to travel insurance for seniors

Many seniors venture into travelling after retirement to explore the world. Unfortunately, most don’t consider purchasing travel insurance to protect them from the risks of international travel. This forces them to pay for damages out-of-pocket. Keep reading to find out more about cheap annual travel insurance for seniors.

Why do you need travel insurance if you’re older?

If you’re over 65 years old, you already know you’re more at risk, particularly when it comes to your health. Whether you’re in fantastic shape or are an experienced traveller, you never know what can happen and having insurance gives you something to fall back on.

For instance, older people are at a higher risk of experiencing a fall, resulting in minor issues like bruises to severe complications like broken bones. Both require medical treatment or hospitalization, which can be expensive abroad if you don’t have travel insurance.

Similarly, most seniors are vulnerable to viruses and diseases as their immune system isn’t as strong as a younger individual. So, if you fall ill before your trip and have to cancel, you want to have insurance to reimburse you for your flight and booking expenses. Alternatively, if you fall during your trip, insurance can quickly cover your treatment.

How to find affordable senior travel insurance

Since older people are at a higher risk of health problems, their policies tend to be quite expensive. That’s why many opt to forgo it altogether. However, it’s not worth risking your life or finances by travelling uninsured.

You can get affordable senior travel insurance if you look hard enough. First, start by comparing quotes from different providers. Ask what’s included in each policy and what’s not; you don’t want surprises while on your trip.

Second, consider purchasing additional coverage for exclusions like adventurous sports and cancelling for any reason. If you have a pre-existing medical condition, consult with your potential insurer to determine how they may or may not cover it. If they don’t, you’ll need to purchase a waiver for pre-existing health conditions.

Are you ready to buy your senior travel insurance? If so, use Compare Insurance today to compare quotes and find the right provider.

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Travel Insurance

What you need to know about group travel insurance

It’s no secret that travelling with a group of friends or family is more fun than travelling alone. However, during your trip, you want to know that your travelling buddies are insured in case of an emergency. Here’s where group travel insurance deals comes in.

Keep reading to find out more about group travel insurance and how you can purchase it.

What exactly is group travel insurance?

Group insurance works the same way as an individual plan. It covers the costs for any medical emergencies, unforeseen circumstances and unplanned events, such as bad weather.

Group travel insurance covers anyone, whether you’re of the same blood or not, as long as you’re on tour at the same time. It’s a great way to save money because instead of everyone purchasing individual policies, you get one cover for the entire troop.

How many people can be insured under a group policy?

Generally, group insurance can cover up to twelve people under one policy, including a mix of kids and adults or adults alone. Just ensure everyone you travel with is named in the policy.

If you’re travelling in larger groups, you’ll need to consult with your insurer to find the best rates for your policy. Alternatively, you can shop around and compare quotes for covering larger groups from different providers.

What does group insurance cover?

A typical policy should cover medical emergencies, lost, stolen or damaged personal belongings, trip cancellation and baggage, money and legal expenses.

It’s advisable to check for exclusions to know what’s not covered. For instance, most insurers don’t cover risky or adventurous sports such as skydiving.

How much does group insurance cost?

The cost largely depends on how comprehensive your cover is. For instance, if you purchase additional coverage such as the Cancel for Any Reason policy, expect to pay more.

The best way to find out how much your policy costs is to get quotes from providers. They’ll require you to answer different questions before giving you an accurate estimate for your policy.

If you want to compare group travel insurance from different providers, use Compare Insurance today. We can help you find the right group policy.

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Travel Insurance

5 things your travel insurance policy won’t cover

It’s normal to assume you’re well insured for all aspects of your trip after purchasing travel insurance. Unfortunately, this isn’t always the case. Insurance policies are usually full of loopholes with exclusions stated in the fine print, but they’re nonetheless confusing. Here are five things multi trip insurance policies don’t normally cover.

1. Dental care

Travel insurance policies don’t cover the expenses for routine dental care. However, in some rare cases, they can cover dental trauma, but only for sound natural teeth. So, if your teeth have an active disease or cavity and they get chipped, don’t expect your insurer to cover you.

2. Losses due to mental or emotional disorders

If, during your trip, you suffer losses as a result of a mental or emotional disorder such as depression, don’t anticipate reimbursement from your insurer. Most policies don’t cover any claims involving mental or emotional conditions.

3. Risky activities and sports

While insurers cover injuries resulting from sporting activities, most exclude losses caused by adventurous and risky sports such as rafting, snowboarding and scuba diving.

Some policies further exempt activities involving bodily contact. This means if you get injured playing football, you’ll end up paying for your injuries out of pocket.

4. Travel for medical procedures

If your primary reason for travelling to another country is to receive medical treatment, your travel insurance policy won’t cover you. This is because issues and complications might arise, and covering them can be risky and expensive.

5. Pre-existing conditions

Travel insurance providers usually steer clear of clients with pre-existing conditions. So, if you have a known illness between 60 and 180 days before the commencement of your policy, don’t expect compensation for any medical treatment when you travel. However, you can buy an add-on cover for your current illness.

Bottom line

Although travel insurers have several exclusions, you can bypass them by purchasing additional coverage or by searching for a provider that covers them. Start by comparing quotes from different providers and remember to ask questions about what’s included and what’s not.

To help with your comparison, use Compare Insurance today. We’ll provide you with comprehensive information on travel insurance, ensuring you find one that suits your needs.

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Travel Insurance

4 types of travel insurance coverage

The hardest part of purchasing travel insurance is knowing which type of plan to choose. You’ll find a wide selection of protection plans from various providers at different costs, making the process hectic and overwhelming. To help you decide, here are four of the most common types of coverage.

1. Travel medical insurance

This plan covers expenses for medical emergencies such as accidents, evacuations and repatriations. For example, if you get injured while horseback riding, a travel medical insurance plan pays for transporting you to the nearest hospital.

When purchasing travel medical insurance, it’s vital to ask your provider what’s covered. Some insurers don’t cover certain recreational activities, especially adventure or competitive sports.

2. Trip cancellation, interruption and delay

Most companies don’t offer refunds on prepaid services, and this is where a trip cancellation policy comes in handy. Generally, this cover reimburses you for non-refundable expenses for reasons outlined in your policy.

For instance, if you have to cancel a trip due to illness and this is a covered reason, you’ll get back the full amount for any booked flights or accommodation. Other trip cancellation reasons providers will cover include:

• The death or illness of a family member who’s not travelling with you
• Natural disasters, e.g., if your flight gets delayed due to harsh weather

However, you can get additional coverage by purchasing the Cancel for Any Reason policy at an extra cost.

3. Baggage and personal belongings

This cover reimburses you for personal belongings and baggage that’s stolen, lost or damaged during your trip. Although your homeowner’s or renter’s insurance may cover personal belongings while you’re travelling, it may not provide the right level of coverage.

You’re better off purchasing personal belongings coverage to cushion yourself from financial losses during your trip.

4. Rental car coverage

If you plan on renting a vehicle during your trip, it’s advisable to get rental car coverage. This will cover any repairs if your car gets damaged in a wreck, natural disaster, or by vandals.

Unfortunately, your rental car coverage may not include liability insurance, which covers the damage caused to other cars and medical treatment for other injured parties. So ask your insurer what they cover.

Search Compare Insurance today to find the right international travel medical insurance plan for you.

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Travel Insurance

Travel insurance tips for travelling in a pandemic

The past few months have been difficult for the travel industry and travellers alike, but now that there are signs that the world is once again opening up to travel, you will need to keep up to date with the latest rules on annual travel insurance plans in a post-pandemic world.

Choose your destination carefully

When it comes to travel insurance there is no one-size-fits-all solution, and the destination you choose and the itinerary you opt for will play a considerable role in shaping how much travel insurance you will need. The secret to lowering your travel insurance costs is to only take out cover for what you might need. Try to ignore those add-ons that will increase your premium but will be of no benefit to you whatsoever.

Your credit card provider may already cover you for some expenses

You may be surprised to find out that you have already signed up for some complimentary travel insurance coverage when signed up for a new credit card. Such things as travel interruption insurance or trip cancellation cover are two of the most common types of travel insurance perks that some credit card companies provide. Contact your credit card provider and ask what travel insurance perks are included with your account, and if you are covered for certain eventualities then these are things you don’t have to add to your travel insurance policy.

Don’t imagine your travel insurance policy will cover a pandemic

A large proportion of travel insurance policies rule out coverage of pandemics, with these seen as being a foreseeable event, which means you won’t be refunded for your outlays. However, there are still plenty of good travel insurance plans that will not exclude Covid-19 as a reason for your trip being cancelled.

Another way to circumvent the risk of a Covid-19 outbreak ruining your vacation is to opt for a policy that provides “cancel for any reason” coverage. This kind of plan will reimburse the non-refundable and prepaid portion of your vacation should you need to cancel for whatever reason. However, this type of policy usually needs to be brought within two to three weeks of your initial trip payment and is often more costly. Also, check the small print as your policy may require you to cancel no later than 48 hours before your scheduled departure.

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Travel Insurance

5 circumstances that may prevent travel insurance from covering you

Travel insurance is crucial whether you are travelling for work or leisure, but there are some cases when your insurance policy will not cover you. Although what is included and excluded from your cover ultimately depends on your specific emirates travel insurance, some circumstances can prevent you from making a claim.

If your expenses stem from a pre-existing condition

Pre-existing medical conditions are some of the common reasons for the denial of travel insurance claims. Insurance companies define a pre-existing condition as an illness, injury, disorder, or medical condition that prompted the insured person to seek treatment or take medication 60 to 180 days before buying a travel insurance policy. To find out whether your travel policy covers pre-existing conditions, read through the Description of Coverage to determine what is and is not covered by your insurance provider.

Participating in high-risk sports and activities

If you have an adventurous spirit and plan on participating in sports like parasailing, bungee jumping, white water rafting, etc., then you may not be allowed to claim in case of injuries, equipment loss, or personal financial losses. To protect yourself, ensure that your travel insurance policy covers all the activities you’ll be engaging in.

Travelling against government advice

The government releases travel alerts every so often, warning its citizens against travelling to areas with civil unrest, inclement weather, security matters, and disease. Therefore, if you decide to travel to a specific country despite a warning from the government, your travel insurance provider will not cover you at that destination. Pay attention to government warnings via their travel advisory website to ensure that you are not travelling to high-risk destinations.

Participating in self-harm incidents

Driving under the influence of drugs and alcohol will render your travel insurance null and void. If you must indulge in alcohol consumption, ensure that you get a designated driver to avoid harming yourself and others.

Cancelling your trip before departure

While most travel insurance policies cover travel delay and travel interruption, they do not cover trip cancellation. Your insurance provider may fail to approve your claim if you change your mind about travelling.

To find the best travel insurance policy for you, visit our website and get travel insurance today.

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Health Insurance Travel Insurance

Countries that require you to have travel medical insurance

The world is slowly returning to a state of normalcy, with more and more countries opening up their borders to tourists. However, before you pack your bags, you’ll need to get travel health insurance. Here is a list of countries that require travel health insurance.

Schengen Area

To explore Europe, you may need to obtain a Schengen Visa. This is a visa that citizens from certain countries need to carry in order to enter the 26 European states of the Schengen area. To apply for this visa, you must provide proof of travel medical insurance covering hospitalisation, medical emergencies and repatriation in case of death. The policy must remain valid for your entire stay and have a minimum coverage of at least thirty thousand Euros.

Brazil

If you are going to be visiting Brazil by air for up to 90 days, you will be required to purchase a travel medical insurance policy that is valid in Brazil. All travellers must present proof of insurance before boarding, failure of which can result in denial into the country by Brazilian authorities. This requirement came about mid last year because of the Covid-19 pandemic and may only be temporary.

Thailand

Before planning your trip to Thailand, you must confirm your eligibility with your local Thai embassy. If eligible, the next step will be to obtain a certificate of entry. One of the requirements for this certificate is to provide proof of a travel health insurance policy that covers Covid-19 and emergency medical insurance. This is because any medical costs incurred in Thailand are charged to your medical insurance.

United Arab Emirates

Travellers age 12 and older wishing to visit Dubai and any other cities in the UAE need to provide valid travel insurance covering international healthcare during the entire duration of their stay. You will also be required to provide Covid-19 test results taken no more than 96 hours before your arrival. This requirement applies to all visitors regardless of whether you need a UAE visa or not.

To find the prices on travel insurance, use our website to compare prices and sports travel insurance.

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