When vacation time comes around everyone gets excited to pack those bags and head straight out the door to explore whatever corner of the world it will this year. While spontaneity and random trips are fun, it is vital that you fully prepare for your trip in advance. And the first step of that preparation process should be to buy travel insurance.

Here are a few reasons why you should always get travel insurance before you depart on your trip.

1. Everything doesn’t always go as planned.

Knowing that you’ll be covered in an emergency situation will allow you to truly enjoy your trip to the fullest. There’s always a possibility that an injury or another type of unexpected situation might occur. Thankfully, with travel insurance coverage you no longer have to worry about encountering an issue that could put a damper on your trip.

2. Travel insurance covers your medical expenses.

When you are traveling abroad, the last thing you want to happen is for you to get sick; this is because the medical expenses overseas can deploy your entire traveling budget. Travel insurance also provides a level of protection against currency fluctuations; although one’s policy is usually paid for in local currency, all claims are incurred in foreign currencies.

3. Travel insurance covers disruptions in your trip.

Oman Air Plane Muscat Oman

Oman Air Plane Muscat Oman

Traveling sometimes can be very hectic; some things are entirely out of your control. Your flight might be canceled, or you are suddenly needed back home. Without traveling insurance, these kinds of disruptions might end up costing you a lot. Travel insurance comes in handy in such scenarios.

4. Travel insurance can cover your losses.

Generic Cube Women on Beacch with red suitcases

Generic Cube Women on Beacch with red suitcases

Most airports are usually very busy, and it is sometimes usual to lose your luggage. By buying travel insurance, you are actually protecting yourself against the risks of them losing your luggage.

Since now you know the importance of buying travel insurance, this travel insurance article will give you advice on things you should do and not do before purchasing it.

So, What Should You do?

1. Go through the entire policy before buying your travel insurance.

Mademan Santa Barbara California Nov 14 2013 paragliding off hill 7 032

Mademan Santa Barbara California Nov 14 2013 paragliding off hill 7 032

Traveling time is not a time where one would want surprises. You need to know precisely what your travel insurance entails and everything it covers. Most insurances are usually sold in packages; you need to read through the inclusions in each to know exactly what is right for you and what is not. You can also think about the practicality of each trip and prepare a list of things you need to be covered.

2. Compare prices online.

Hang Gliding Santa Barbara San Bernadino California

Hang Gliding Santa Barbara San Bernadino California

It is important that before buying your travel insurance you take the time and do thorough research on the different prices they go for, or you can read a travel insurance article that has summarized the different rates. However, the best way to do this is by doing your research online. Most online platforms take you through the specific insurance, what it covers and its price. It is up to you to choose the one that best suits you.

3. Ask around for advice on travel insurance.

At times like these, your friends, or generally people who have had past experiences with travel insurance, might be very helpful. Asking around is the best way to learn everything that you need to know about travel insurance. Sometimes travel insurance companies inadvertently withhold important information which might end up helping out in the long run. However, when you ask fellow travelers who have purchased insurance in the past, they will likely fill you in on all of the little details and stipulations.

4. Buy your travel insurance as soon as possible after booking your trip.

As noted earlier, the secret to a successful trip is to prepare your travel insurance before the actual day of the trip. Therefore, as soon as you book your trip, it is wise to buy your travel insurance. By doing this, you are at a higher chance of getting travel discounts and your travel insurance will likely get extra coverage. Prices tend to go up when the time to travel gets near.

5. Make copies and digital versions of your insurance policy.

After you have made up your mind on what travel insurance coverage you want to buy, make paper copies and save versions of your travel insurance online. This way you will be able to access it anywhere and anytime that you want, even during the trip.

And, What Should You Not Do?

1. Don’t pay for a single trip policy if you are a regular traveler.

A lot of people make the mistake of paying for a single trip policy when they have more than one destination planned, or multiple trips within a year thinking that it will be cheaper. It is not. You should always look into buying an annual travel insurance plan which can reduce your cost considerably. It gives you the added bonus of peace of mind knowing that you will be covered for any last-minute trips or excursions when buying travel insurance may not be top of mind.

2. Don’t buy the cheapest travel insurance.

Ambulance in Amsterdam Netherlands airport

Ambulance in Amsterdam Netherlands airport

Buying travel insurance can be very confusing. You should not just buy travel insurance because it is cheap; there is a high probability the insurance does not cover some things that might be very helpful during your trip. You should also not buy the most expensive one because it will end up covering extra things that you might not need. Make sure to find the one that covers exactly what you need.

3. Don’t let your travel insurance policy lapse.

Sometimes, things happen, and for one reason or another, you are required to extend your vacation. In the event something like this happens, you should immediately contact your insurance company and notify them of the extension. If you fail to do this, your travel insurance might end up being lapsed, and as a result, you will be at risk of being uninsured for some time.

4. Don’t fail to declare any medical conditions.

If you fall ill because of a pre-existing medical condition or one that comes up between taking out your travel insurance coverage and the beginning of your trip, your travel insurance will not pay out if you have not declared it. Not only will this force you to pay for hospital bills overseas, but you will also miss out on coverage of any missed flights or onward travel plans because of a hospital stay or enforced rest.

5. Don’t rely on free insurance.

If you have free travel insurance from your bank account or credit card, make sure you go through the small print on the policy documents.

Most of these banks and credit cards cover very few things; they might end up not covering essential items. You need to be fully covered for a trip.

CONCLUSION

The peace of mind travel insurance offers is worth every penny. Don’t let the extra cost deter you from buying proper coverage. Travel insurance covers the most important things that you need when you are on a trip. Before buying a policy, be sure to follow some of the advice found in this travel insurance article as it will prove to be useful when deciding on which insurance best fits your needs.

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This post is sponsored by Allianz Global Assistance (AGA Service Company) and I have received financial compensation.