How to Get Cheap Single Trip Travel Insurance

So you are planning a trip away or have already done so and now you want to sort out the travel insurance. People often neglect to spend any time on choosing their holiday, why should they a holiday is meant to be fun, a week or two to not worry about every day life.

Many people will first find out about getting cover for their holiday when they book up at the travel agents. Not knowing or not wanting to know insurance just seems like another necessary expense that you wish you could do without.

We all need to make sure you have the proper cover if you are travelling abroad. Whilst this is something you do not like to think about you can never know what will happen whilst you are away. Your flight may be cancelled, your luggage lost or stolen or worse you become ill or have an accident during your holiday.

So now we know what can happen how can you get cheap single trip travel insurance but without having to skimp on cover. There are several different types of policy you can get and each one will cover different aspects of your holiday cover, much like getting fully comp car insurance or third party fire and theft.

A single trip policy will be your cheapest option of you are only planning to take one trip abroad this year. If however you are planning on taking more trips it may be worth considering an annual multi trip policy as you would usually save money over the cost of buying separate single policies.

One thing to remember when choosing any policy is not to sacrifice cover for cost. Many policies will just be cheaper because they do not cover everything. Make sure any particular cover encompasses what you actually need.

You can find the cheapest insurance by using an online travel insurance comparison site. This will list all policies that meet your specific requirements side by side. This makes it easier to compare and choose the holiday cover that provides the best cover for the lowest cost.

You should be aware of any excess, like all types of insurance there is generally some excess payments you will be liable for. This is the amount you will have to pay as the first part of any claim. The higher the amount you are willing to accept the lower the premium cost of the insurance policy.

Timing is Everything — Especially With

Few things in life are as satisfying as a trip abroad, and most of us can hardly wait until we leave on our great adventure. Anticipation of things to come merely heightens our delight. Planning our trips is part of the enjoyment. Running around, buying our tickets, luggage, clothes and other items that we plan to take with us don’t even seem like chores. It’s not even painful to pay for these things because we know that soon we’ll be exploring places we’ve never been before. However, there is one “fly in this ointment”, one more expense that we’d rather not have because even though it costs us money, we receive no tangible benefit. What am I talking about? Why, , of course!!!

Is Buying at the Last Moment Okay?

I don’t know about you, but as far as I’m concerned, paying for is not exactly my favorite way of spending money. Could it be because travel health insurance is not exactly sexy? Or is it because it just adds to the cost of an already expensive trip? Whatever the reason, I’d rather not spend the bucks on travel medical insurance. However, because I know that it really is a necessity, I buy it. Nevertheless, I tend to put off the purchase as long as possible because it still feels like an “extra”. Am doing myself a favor or not?

Are You A Gambler?

Is keeping my money in my pocket for as long as possible helping me or hurting me? By delaying my purchase until the day I leave, I’m actually hurting myself. This is because I’m actually gambling that nothing will happen to me before I buy my insurance. I’m betting that I or someone in my family won’t fall ill or get injured prior to departure. Also, if I haven’t bought it and something bad does happen, I won’t have any insurance coverage and I’ll be out of luck. Wouldn’t I be smarter to get my ASAP in order to minimize my risk and maximize my potential benefits?

Don’t Lose Your Pre-Existing Condition Coverage

There is another reason to buy without delay. Sometimes we make our travel arrangements in stages and don’t book our flights at the same time. We travelers are eligible for pre-existing medical condition exclusion waivers provided we buy our from 7 to 21 days (depending on the policy) of making our arrangements. If we wait longer, we may not be eligible for those benefits, especially if a previously unknown health condition should materialize.

Don’t Wait To Finalize Everything Before Buying

Whenever I have traveled, I have known in advance what my plane tickets were going to cost, but what about you? Maybe you’ve made travel plans but have not yet bought your plane tickets. I suggest that it’s a good idea to buy your even if you haven’t bought your tickets because doing so will ensure that you will qualify for the pre-existing condition exclusion waiver. If you don’t know what your flight will cost, estimate the cost and include this figure in the total cost of your trip. Later, when you have purchased your flight tickets, you can advise the insurance company. That way you will not risk being ineligible for coverage for a medical conditions that crops up prior to departure.

What If You’ve Already Left on Your Trip?

I happen to be one of the world’s greatest procrastinators. My motto is, “Never do today what you can put off until tomorrow because you might get lucky and not have to do it at all!” Maybe you, too, are a Great Procrastinator and you avoid buying before you leave on your trip. What happens if you have delayed buying your or expatriate insurance until AFTER your departure? Are you out of luck? Are you ineligible for insurance because you didn’t buy it before you left home?

Fortunately, the good news is that, even if you decide to buy after departure, you are still eligible for insurance. If you can get access to the internet, both and expatriate insurance can be found and purchased online, even after you’ve left on your trip or taken up residence abroad. As the old saying goes, “Better late than never,” especially in this case!

Can You Get Insurance for Someone Else Who Has Already Left?

Here’s another scenario. What if there is an emergency and a family member (including minors) or a friend or employee has not bought but has already left on their trip? Do they have to travel uninsured? The answer is no, they don’t have to go without . You, or someone else they designate, can go online and purchase on their behalf. It’s good to know that when friends, family or employees are too busy to get their own , they don’t have to go without it.

In this case, all you need to do is fill out an online application and make the required online payment. You’ll get instant confirmation and can even print out a copy of the policy. There is one cautionary note though. If you’re purchasing on behalf of a minor, you’ll first have to register as an adult in order to get the insurance. It is also important to note that they will not be eligible for coverage for pre-existing medical conditions that occur during the trip after departure and prior to purchasing their insurance. This is merely another reason why purchasing should not be delayed.

In the World of , Timing Definitely Is Everything

Timing is everything, they say. Purchasing travel or expatriate insurance was probably not on the mind of whoever coined that phrase. Nevertheless, those words apply as much to buying as they do to anything else. Given the potential for financial ruin if you’re not insured, the time to buy yours is before you need it because buying it after you need it is impossible and much too late. Learn from the “Great Procrastinator” and get the insurance you need before you need it.

Cheap Single Trip Travel Insurance Takes Care of Health and Luggage

When making plans to take a trip for your next vacation it is very easy to believe you won’t need insurance for a cheap single trip. Insurance is a necessity because no matter how carefully we plan our trip there is no guarantee that things will go one hundred percent smoothly. It really is much better to realize there is a small chance that something unexpected may occur.

Something could go wrong with your health. It may not be very serious but if you need medical attention in a foreign country it is going to cost a great deal. No matter where you are in the world, good medical care is expensive.

Your child may fall and break an arm or suddenly develop full blown measles. Not only do you want medical care but you want the best. If you have cheap single trip travel insurance then you will know exactly how much money is available to you in this situation.

In fact, it is very likely you will be in contact with a representative of the travel insurance company to advise you through the procedures.

When compared to illness or sudden accidents then the loss of luggage does not seem as important. However, just because you don’t need medical care does not mean you have to put up with losing your assets. Luggage is a necessary part of traveling.

It is very common to fill your luggage with curios, gifts and other luxury items. There isn’t an airport in the world that does not have to deal with its fair share of lost luggage. More often than not, lost luggage is never recovered and simply remains lost.

Don’t forget, it is not only the contents of your luggage that you will be covered for but also your actual luggage. Nowadays, decent luggage that can take the rigors of travel is expensive. Cheap single trip travel insurance will cover this.