Top Things to Think About When You’re Arranging Travel Insurance

Posted on Sep 15 2016 - 10:37pm by TravelFore

Arranging your travel insurance certainly isn’t something which sounds all that exciting – and will without question not be the highlight of your pre-holiday prep. However, ensuring you’re safe to travel is just as important as having enough luggage with you when you go.

To make this process easier, why not follow these five easy steps? It could make arranging travel insurance considerably easier when push comes to shove.

  1. Check Out What Kind of Jabs You’ll Need – And Get Them

There are all sorts of crazy diseases spread out across the world, but most of these can be easily treated if you ensure to go out and get your required vaccinations before travelling.

You are unlikely to get the sort of travel insurance you want if you don’t prove to companies you’re taking steps to protect against catching one of these life-threatening conditions.

Also, make sure to be honest with your insurer and let them know about any pre-existing medical conditions you already have before travelling. If something comes up which they didn’t know about, they could refuse your money.


  1. Look Around For The Best Deals

As with anything in life, it’s never wise to simply opt for the first choice you’re given. Travel insurance isn’t cheap, so make sure you do your research before purchasing.

There are several tools online which can help you to find a quote that works for you, so read around and get the best deal possible.

By saving yourself a little bit extra now, you’ll have even more money to play with when it comes to the actual holiday itself – which can only be a good thing.


  1. Consider Insurance Policies for Families

It isn’t all about your own personal well-being when travelling abroad. More often than not you’re likely to be going on holiday with a family member, so ensuring to keep them protected is also critical.

Getting a policy for your family is good for two reasons. Firstly, it can sometimes be cheaper to buy a block family insurance package rather than individual deals here and there.

Secondly, and perhaps more importantly, it allows you a greater peace of mind. Should illness strike a close relative, you’ll know your travel expenses are completely covered if you need to rush home.


  1. Consider Applying For A European Health Insurance Card (EHIC)

Another step to consider when arranging travel insurance is to reach out and secure yourself a European Health Insurance Card.

These will only apply if you’re planning on travelling to and remaining within the confines of Europe – but have the massive advantage of seeing you receive medical cover in an EU nation for free should you need it.

It’s important to note, however, that one of these cards does not act as an adequate substitute for having actual insurance itself – it simply acts as further protection and serves to potentially save you that little bit more money if the worst does happen.


  1. Get It Sorted As Soon As You’ve Booked Your Trip

It might sound like a drastic step to instantly go about setting up your insurance directly after booking your trip away, but it does have its benefits.

For one thing, knowing you’ve already gotten the hassle of getting it all sorted out of the way means you can instantly look forward to the vacation itself. Plus, if your trip is cancelled or delayed due to unforeseen circumstances, you’ll be covered for any pre-paid expenses. This is one of CTI’s top six tips for arranging your insurance, so well worth the thought.

It also could be beneficial from a financial perspective though, with most insurance companies letting you claim back your money if you let them know relatively early you’re cancelling your trip (for a legitimate reason).

There you have it – five important things to think about when arranging travel insurance. While it’s crucial to get everything sorted before you head off on your holidays, don’t forget the most critical thing of all when abroad; having fun.

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