Cheap travel insurance!
The fourth thing on every travelers check list, after passports, tickets and ensuring that you have all of your kids accounted for in the car, should be travel insurance! Whether you end up standing on a nasty jellyfish in the blue waters of some exotic tropical island or breaking a bone on some whiter than white ski resort, it is always comforting to know that your resultant hospital visit will not end up costing you your life savings!
Looking for cheap holiday insurance quotes? Visit this cheap travel insurance website to compare online quotes and buy online. In today’s ever-changing world it is vitally important to ensure that you are covered for the obvious and the not so obvious…from the seemingly annual environmental catastrophes like overactive volcanoes pumping out blackened ash to sudden snowfalls cascading down, deep enough to cover cars. And of course there is the inevitable risk of your plane being delayed for one of a possible hundred dozen reasons! The risks are endless and could affect you, your wife and kids or your business colleagues. So it is imperative that you know exactly what your policy does and does not cover and whether or not you can take out additional cover to protect yourself against specific activities, such as golf, cruise or business trips.
The more research you carry out into the various travel insurance packages that are available, the more you are likely to save…and the more suitable the coverage. The first point of call is to figure out the type of policy that is the best match for the type of trip you intend on making. Sun worshipping, hiking or skiing trips, whether you intend taking one or more trips and whether your trip or trips will be short or long visits will all impact on the cost and type of policy. The most common policy types are covered here:
* Students will be particularly keen on BACKPACKER TRAVEL INSURANCE, which should give you extended duration of coverage…anything from a few weeks to up to two years.
* The most common insurance is SINGLE TRIP COVER, were typically, a family is heading off for their annual holiday to the sun.
* More suitable for a frequent traveler, who typically takes more than one trip per year are the MULTI TRIP TRAVEL INSURANCE POLICIES or ANNUAL COVER packages.
* The more specific and typically more risky types of travel, like a skiing holiday, tend to have their own particular tailor-made policy, for instance WINTER SPORT COVER.
Typical travel insurance coverage:
• Unexpected medical costs.
• 24/7 coverage and help offered by the insurance company.
• One of the most important liabilities covered by most travel insurance packages is public liability insurance, which should protect you against a third party making a claim against you or members of your family.
• If you are unfortunate enough to have your cash, credit cards, passport, travel tickets, etc. stolen or simply lose any one or all of these valuable items, most policies offer various types of coverage to indemnify you.
• Sometimes if the unexpected happens…perhaps due to illness or a death in the family for instance, forcing you to cancel or postpone your trip or indeed forcing you to return home earlier than planned, your policy should kick in to assist you with your predicament depending on the insurers terms and conditions.
• If you end up having to miss your departure time due to a covered risk, your policy should take care of the consequences.
• It is worth double checking the coverage dates, your policy should always cover you for the length of the trip.
Travel policies may also cover:
• Your legal expenses.
• Against personal accident.
• Where a 3rd party becomes insolvent.
• Strike activity.
Possible travel policy exclusions:
• If your claim arises from you being involved with drugs or alcohol at the time of the incident.
• If you or any of your family covered by the policy have an incurable illness likely to end in premature death or have not yet obtained results from a recent hospital visit.
• If you already suffer from a medical condition you will have to confirm with the insurance company the details relating to the specific illness. The insurance company could request that your doctor gives you a note stating that it is safe for you to travel or you may be asked to go for a health check for the medical condition.
• If you are over a certain age, there may also be some restrictions. The bottom line is to always check the policy thoroughly to see what is and what is not excluded.
Useful tips when claiming:
• As with most types of insurance (car/home/pet, etc.) always keep a copy of all the receipts relating to the claim, whether they are for medical expenses incurred at a hospital or unplanned hotel accommodation costs due to the cancellation of a flight.
• If you have the unfortunate experience of losing your credit card you must always phone the bank as soon as possible. Travel insurance operates similarly…for instance if you are robbed, you need to contact the police immediately and get a written statement…and the contact your insurer asap with the details.
• You will need a copy of the airline company’s confirmed ‘property irregularity report’ if you cannot find your baggage on arrival.
• Double check that you have all the details of your policy, for example; who to contact and what to do if you need to report an incident to your insurer 24/7.
Tips to cut the cost of travel insurance:
• Before purchasing your travel insurance policy you need to compare the various policies available, particularly against things like medical expenses, cancellation and lost baggage. Visit our website Compare Insurance Ireland .com to review benefits.
• Many companies charge for the additional cost of posting you your policy, so get everything emailed to you!
• Some insurance companies offer discounts if you purchase your policy online.
• Expensive electronic devices like Ipads, digital cameras, top of the range smart phones, etc. may not be covered in your policy, so take that older phone out of the press, dust it down and bring it with you instead…once it still works!
• Like mostly anything these days, buying in bulk may get you a discount, so rather than taking out individual travel insurance policies, make sure you compare couple and family policies to see if you get a better price!
• Another way of possibly reducing your cover, is to let the insurer know you are covered by a health insurance policy.
Other important information and resources can be found on the Department of Foreign Affairs website. Finally if you have passport enquiries please visit their website. Thank you for viewing Affinity Insurance, we hope you found our Irish Insurance Blog informative. All details relating to this travel insurance blog are for information purposes only and should not be considered as financial advice.
We will be publishing an article on public liability insurance shortly.