8 Tips To Buy And Use Travel Insurance In America And Europe

Here are some suggestions to help you make an informed purchase decision.

    1. Consider the worst case scenario. If you can financially resist the worst-case scenario then maybe you do not need travel insurance or maybe you do not need a comprehensive policy.
    1. Ensure that the policy you are considering provides adequate medical / dental care, including medical evacuation coverage only if you need medical care, in a place where the best treatment is available below the standards that you provide your country. This can happen if you fall ill in a developing country or even on a cruise ship.
    2. Check your existing insurance for possible coverage. It makes no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.
    3. If you are traveling frequently, you should check travel insurance annually or year-round. Sometimes they are called multi-travel travel insurance. Whatever the name, these measures can be relatively cheap when compared to single-travel travel insurance.
  1. Know what you are buying, so read the small print. Make sure you understand what makes the company a legitimate reason for the cancellation or interruption. If the list is too restrictive, perhaps you should consider another policy.
  2. Do not restrict yourself to purchasing your travel agency. He / she will likely be only a company’s product (s) available, and it is for your convenience, but that convenience can be quite expensive!
  3. Ask many questions about the coverage. Play the “what if” game. Provide clear explanations of terminology. Make sure you and travel insurance speak the same language.
  4. Do not buy the insurance from your transport provider. If the airline goes bankrupt, how will your insurance cover be sufficient?

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