100% Free Cancellation
By : Fernanda lustosa | Sep 28, 2020
When planning your trip you most probably will be excited about more fun things, such as what will you visit, where you would like to explore further, the food you are going to taste, etc. But even though these things are legitimate, some practical details are very important, and your travel insurance is one of the ones that should be on the top of your list.
There is an array of travel insurances to choose from, so we prepared a guide that hopefully will help you and will clarify any doubts you might have on the matter. Some people think travel insurances are an expense you can cut off but in reality it provides you safety while abroad. It can cover different needs, from injury to illness, lost luggage, cancelled flights, damages and more. And if you are the type of person who travels many times per year, then it is even more strongly advisable to take one.
Now, it is time to read every detail. For example, a company may cover your medical expenses but you must check their limit offer. A good travel insurance won´t cover less than US$10.000, although we recommend choosing coverage of at least US$100.000. Your health comes first and, of course you hope not suffer any kind of accidents or injuries, but if you do you can trust that hospital bills will be covered. Remember to check for emergency evacuation, and this is separate from medical coverage. This includes from the hospital in the country you are visiting to your home country, natural disasters or any type of evacuation to a hospital.
Travel insurances are there to cover you in very specific cases, so be sure you are eligible by checking the points below:
You won’t be covered in cases of:
Since there are many types of travel insurance, before purchasing the one that is the right for you, it is nice to check with your credit card what it is already cover by them. For example, depending on your use of credit card, you might already be covered in cases of trip cancelation, and it comes for free. Sure, you can’t customize the insurance this way but you can buy a travel insurance that complements what your credit card already gives you.
Many travel agents offer travel insurance when you are booking your flight or hotel. But pay attention that most of the times, even though this is an easy and convenient choice and coverage is not expensive, most of the times you can’t customize the package.
Finally, you can go through the many websites of travel insurance companies, which is more laborious but you will be able to choose the policies that answer your needs and compare prices. The best thing to do is to research and compare.
There is much more that a travel insurance can cover, but these are the basic guidelines you should follow when choosing what fits you the best.