Travel Insurance might seem like an annoying hassle, but it is an important issue to be considered. So, before you jet off to East Africa, excited about that safari in Kenya or Tanzania or wherever your heart leads, consider these points when deciding on a Travel Insurance Policy:
- Check for financial failure cover: This is important if you haven’t booked a package holiday which provide Air travel Organizers License protection. It will also guide you against issues like airline failure, tour operator insolvency and other failures of service suppliers that might inevitably happen during traveling.
- Choose an affordable Excess: Before you buy that insurance cover ensure you know how much of the excess- the portion that the insurance company might expect you to pay for yourself if anything goes wrong during the journey. If the excess is steep then the cover isn’t worth it.
- Don’t pay twice for cover: Some certain bank accounts also cover you for insurance, so inquire from your bank if that’s the account you have and the borders of the cover i.e. whether it will cover the country you’ll be traveling to.
- Pre-existing Medical Condition: If you have a life threatening disease or terminal illness, ensure that you’re adequately covered by the Travel Insurance you will be undertaking because you might need emergency treatment while on vacation. Make sure you disclose this to the Insurance cover before you take it because if you fail to do so, the whole insurance might be voided.
- Cheap is expensive: Just like anything else, the cheapest package might end up to be the most expensive. Thoroughly scrutinize the Travel Insurance package you will be purchasing and make sure it covers medical expenses, personal liability, cancellation of any service, baggage and property loss and even cash.
- Annual multi trip cover is better than single trip policies: If you love traveling taking an annual multi-trip cover will be more economical than taking single trip policies for each journey you are likely to make. It’s even better for you if you decide to go an impromptu trip. If it’s a family package Insurance Policy ensure that it will cover individual members of the family while traveling alone.
- Buy cover when booking for the vacation: Ensure that you purchase your Travel Insurance when booking for the vacation. This is easier and also more effective because at that time you will have adequate time to purchase the cover that is comparative to the vacation.
- Always shop and compare prices: Before you purchase Travel Insurance ensure that you have adequately looked and around and shopped for the best product.
This lion might be hungry. Buy Insurance!
