Every holiday should be protected by comprehensive travel insurance. This can cover the cost of lost baggage, cancellation, travel delays and medical fees.
Let’s take a look at how to compare travel insurance to find the best cover for your needs.
Compare the price of each policy
It can be tempting to buy the cheapest travel insurance policy to keep costs down. But if you need travel insurance for pre-existing medical conditions or you need travel insurance over 50, you need to look beyond the price and choose the right level of travel insurance to meet your needs.
Compare travel insurance that covers your medical conditions
Make sure you declare any pre-existing medical conditions when you compare travel insurance prices. Medical Travel Compared then provides a range of quotes for medical travel insurance from reputable insurers who will cover your needs.
Look at the limits on coverage
Each policy will have its own limits on things like medical costs, baggage and personal possessions and cancellation cover. Make sure that those limits meet the costs you need to have covered.
Consider the activities you’ll do
Check that you are covered for any sports or activities that you plan to take part in, such as adventure sports or travel insurance for winter sports like skiing or snowboarding. You may need to add additional cover for certain hazardous activities, so it’s important to check before you buy.
Compare travel insurance for cruises
Travel insurance for cruises might need to be added as an extension. Cruise cover might cost a little more because if you fall ill you might need to be airlifted to hospital. It’s worth it to make sure you have everything you need covered.
How to find the cheapest travel insurance
If you’re keen to reduce the price of your travel insurance, consider:
- An annual travel insurance policy. Buying annual travel insurance can save you money if you travel regularly, but you’ll need to make sure that it will cover all of the different types of holidays you will be taking in that time.
- Remove cancellation cover. If you have booked a last minute holiday, it’s unlikely that you’ll need to cancel your trip. You may be able to remove cancellation cover from your policy.
- Compare travel insurance policies. Use Medical Travel Compared to help you find the right level of cover to meet your needs.