What To Look For In Cheap Travel Insurance

By Author: Caron Fontelroy
Total Articles: 10
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When you are planning a holiday, and perhaps your budget is tight, a travel insurance policy may be somewhat down your list of priorities. It is always a good idea to have travel insurance if you are making any kind of significant trip, and cheap travel insurance (especially the ''cheap'' part) may be exactly what you are looking for - and what you can afford. Here are some things that you need to consider.

Sometimes the cost of travel insurance for extensive trips ? like backpacking holidays ? exceeds the cost of the airfares that you will pay to shuttle you around. It can be tempting when this is the case to go for the cheapest option available, but it is important to make sure that that you do not end up making a false economy.

Many travel insurance policies include a list of countries that are not covered, or excluded, from the protection of the policy. This can be especially pertinent in the case of backpacking trips in the developing world, so be prepared to spend a bit more if you are venturing off the beaten track.

Equally important is a good knowledge of the level of medical cover provided ...
... by your policy. Some cheap travel insurance policies place a limit on which countries you may be transferred from in the event of hospitalisation, and often place a limit on the total amount that can be spent on treatment.

Travel in the developing world can often present specialised security risks, including the risk of kidnap for ransom. There are many travel insurance policies that can cover this eventuality (covering the cost of ransom payments), but you are unlikely to find that this is the case with the most cheap of cheap travel insurance ? this is one issue that you definitely want to clear up.

Outside of the risk of kidnap, you may also want to intentionally place yourself in harms way for the purpose of leisure ? bungee jumping for example. It is important to ensure that your policy will pay out for medical cover if you sustain an injury through such an activity.

This advice is not designed to put you off of looking for cheap travel insurance, but merely to make you mindful of several important factors to consider. As a starting point, get an idea of what a basic cheap travel insurance deal can cover by looking at the products offered by established suppliers like Go Travel, and use this as a basis for comparison in your hunt for a bargain.

Lastly, definitely take as much time as you can to shop around, and do not be afraid to haggle ? the market for cheap travel insurance is very competitive, and you can often secure a great deal with a just a little bit of negotiation.

. Caron Fontelroy never travels without a good cheap travel insurance policy.