What to Know Before Buying Travel Insurance

By Graham S Doyle

It is more and more important these days to ensure that you have adequate travel insurance before you take your trip abroad. You not only have to worry about being covered for sickness and accidents as well as loss of valuables etc but these days, crimes are on the up in many countries as well as terrorist attacks and other previously unheard of events. Instead of travel insurance being a comfort it is now becoming a necessary part of the cost of your holiday. But there are a few things you should know before buying your policy.

It is important to make sure that your policy will cover you for medical expenses. Most people assume that any travel insurance package they buy will automatically cover them for medical expenses but this is not always the case. If you were to have an accident or get sick while on holiday, the costs can be astronomical and if you do not have adequate cover on your policy, then you could face huge financial problems especially if you had to be admitted to hospital or worse still, had to be airlifted home.

Before you go away, you should know what cover you have for loss of valuables and it would be a good idea to make a list of the items you are bringing with you so that if you do have to make a claim, you will have an accurate idea of what you have lost.

Make sure you check every aspect of your claim and check with your insurance company if you have any queries regarding and details of your policy. You may find that you are not covered for any pre-existing conditions. You may also find that you will only be covered for cancellation of your holiday under extreme circumstances. It is important if you think you will be engaging in any dangerous activities that you know in advance whether your policy will cover it.

Once you know what you want from your travel insurance package, you will be ready to look for the best deal. You can choose from individual packages, group packages and the more expensive packages that cover you for almost everything. It is important to check what your package covers you for especially if it seems too good to be true. Most of the time, these packages usually are!