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Cover-More explains what is important when choosing the best travel insurance deals.
There are several factors that help you judge the quality of a comprehensive travel insurance policy. To get the best travellers insurance your money can buy it is important to look at what policies DON’T cover. Many policies will give you a list of what is covered, which seems great, but what aren’t you getting?
A good place to start is the general exclusions in the policy's Product Disclosure Statement. Whilst the chance of the unexpected occurring always seems low, apart for the obvious things like medical cover, ask yourself what kind of cover a good travel insurance plan will offer in events such as natural disasters, civil unrest or acts of terrorism.
These issues seem unlikely to happen, but if you think of recent events in Bangkok, Mumbai etc. they are not too farfetched. It is important to know that your insurer will be there for you.
Another example is travel provider insolvency. What does this mean? Imagine booking a trip with a particular tour operator or a flight with a certain airline and just before your trip that operator or airline goes bankrupt. In tough economic times like these it could happen to anyone. Many travel insurers won’t cover you in cases like these potentially leaving you out of pocket for a trip you never get to take.
If you look at the cost of cancellation travel insurance compared to overall trip cost, you will find that travel cancellation insurance is only a fraction of the overall cost. Even if you only take it out for baggage insurance it will still be worth considering as the travel insurance rates will be lower.
So when you are looking for the best travel insurance for your trip, check if it covers natural disasters, civil unrest, acts of terrorism and travel provider insolvency. Even your best price travel insurance should offer cover in these circumstances.
In addition, make sure they have a reputable 24/7 emergency assistance centre in place and are backed by a quality underwriter.