Tips on how to choose a travel insurance cover

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While planning a journey, it is advisable to take out an insurance policy to cover you on the move. However, just like usual, insurance companies are slippery, and if you are not careful, you might end up absorbing losses just like you do not have an insurance cover.

Factors to consider before settling on a travel insurance policy:

Are all your destinations covered?

If you are planning on a holiday, you might have several stopovers in different countries or various parts of the same country. If you intend to visit many places, confirm with your insurance that all the places you expect to tour are fully covered in the policy.

Details of the medical cover.

Some covers are more comprehensive than others, covering even special conditions. If you have any unique health state, discuss the status with your insurance company and if they cannot fully cover your medical requirements, consider taking a policy with a different insurance company.

Terms of luggage cover.

Most of the policies insure a certain amount of luggage, for example, $1000. If according to your valuation, this figure does not fully cover all your belongings, then upgrade your policies to a luggage cover level you are comfortable with it.

Which valuables are covered by the plan?

It is apparent that while on a travel mission, you carry a lot of things to increase convenience. You may have your cameras, laptops and other convenient gadgets like tablets. Unfortunately, most of the common insurance policies do not cover these devices. Confirm with your insurance company if these items will be included or how you can upgrade the policy to cover these items.

Which activities are covered and to what extent?

You will have so many activities which you will be doing during your holiday or your travel period, and some are riskier than the others. Due to these varying risk levels, some might not be covered by insurance policy. Confirm which activities are covered and which ones are not.

What happens if you cancel your trip?

Despite having all the financial plans put in place, something unforeseen might come up and force you to cancel your trip. Confirm how much is refundable from the insurance if such a thing happens. Choose a policy whose refund rate is highest.

The level of limit losses.

Most of the insurance companies will compensate you if a loss is over a certain amount; you need to select a policy which pays you no matter how small the damage sustained might be.

What are exclusions available?

Insurance policies are full of exemption clauses. Read them before committing to the agreement and ensure all the exclusions are in your favor. If not, consider taking a special cover to compensate for the exclusions.


Travel missions can turn out to miseries if you do not put the appropriate precautionary measures in place. In some instances you will be far away from home or around people you know; thus you do not want to leave anything to chance. Luck is good but also put in your effort.