Wherever we go, we always buy travel insurance. I know that a lot of people travel without it. But, just cannot understand why anyone would take a risk like that. The cost of paying for medical care or worse repatriation could ruin your family finances for years to come. So, we always buy it.
But, it is all too easy to end up buying the wrong policy and still not be properly covered. Here are a few of the things people forget to check for.
Replacement visa and passport coverage
Replacing your passports or visas because they have been damaged or loss can work out quite expensive. So, you want to make sure that you buy passport and Visa Travel Insurance that will cover those cost. Look for a firm that will also provide you with help and advice for this eventuality. You do not want to run up a big phone bill trying to find out what you need to do to get your replacements.
Are your valuables properly covered?
Virtually all travel insurance policies offer some sort of coverage for loss, theft or damage to your belongings. What a lot of people do not realize is that this coverage does not extend to high-value items. So, if you wear your designer watch on holiday and it gets lost or stolen, you may not be able to claim for it. The way some policies are written means that even the loss of a smartphone may not be covered.
Medical evacuation
If you are unlucky enough to fall seriously ill or have a big accident, you may need to use the services of a medical repatriation team. Paying for an ambulance to drive you home or for a nurse to accompany you on a flight is crazy expensive. So, always double check how well you are covered for this eventuality.
Dental care
If you get a toothache while you are on holiday, watch out. Dentist fees in most countries are expensive and most travel insurance policies do not include coverage for dental treatment. So, if you have had a toothache that comes and goes, it is wise to get it sorted out before you travel.
Natural disasters that start before you travel
It is surprising how many people buy their travel insurance the week before they are due to travel rather than when they book. Doing this is very unwise even if you are buying an annual policy. Events that occur before the date you buy your policy are not covered. So, if the lava from a volcano that started erupting a month earlier finally reaches your hotel the week before you are due to stay there, you will not be covered if you did not buy your policy far enough in advance.
Other important things you need coverage for
The above are some of the things that people forget to buy coverage for. However, it is not a comprehensive travel insurance buying guide. If you want to know how to make sure you buy enough coverage for medical emergencies, activities, accidents, cancellations, and belongings you need to use a consumer advice website. This is because they provide accurate, up to date and impartial advice for everyone.
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