You may not need them for small trips but it is quite necessary that you get a good travel insurance coverage when you are going on a long tour, to distant places. While planning a holiday most of the times all we can only think about the facilities that are being offered to us by the travel agents and overlook the need of good travel insurance. You can travel without an insurance coverage but that would be reckless. Safety is the very first thing that you have to care for and travel insurance is the best way to safeguard yourself and your belongings at an unfamiliar place. In the following you will find some essential guidelines and tips for selecting the right travel insurance.
Do’s
Checkout the benefits
Not all travel insurance offer you the same privileges. Only a thorough understanding of the insurance benefits can help you in getting the right one for your tour. Generally a travel insurance plan gives you medical facilities if necessary. It covers medical expenses and hospital bills. Travel insurance can also provide compensation for your lost luggage or pay for problems with vehicles. If even at the last moment you decide to cancel the trip it will reimburse the amount of money you have spent on booking hotels and plane tickets. Be sure about the benefits that you will get and if they meet your needs.
Compare prices
Your travel agent will definitely want you to get the travel insurance from them but you may strike a better deal if you look around a little. Sometimes travel agents offer free travel insurance but include the cost in your package. Compare the travel insurance offered by different agents and then take an informed decision.
Don’ts
Don’t forget the details
You need to keep some things in mind while buying travel insurance. Make sure that it covers the total period of your trip. It is best if you plan early because you will have to get some medical reports for procuring travel insurance and get a medical checkup done. Nothing can beat good planning.
Don’t get pushed
It is a common trait of the insurance agents that they will try to force you into getting your insurance from them but don’t let them push you. Take your decision independently after making sure that the travel insurance covers all your requirements completely. Also don’t look for very cheap bargains as they may not be useful for you after all.