Travelling overseas can be one of the most amazing experiences of your life. Not only do the good times provide you with memories that will last a life time, but the challenges and rough times also leave you with great stories to share with friends and families.
While in retrospect the challenging times can be a good laugh, in the moment, they may mean no luggage in freezing temperatures and no budget, a broken bone and a big medical bill, or stolen tickets to an expensive flight. With this in mind, it is very important to get travel insurance that will cover you for the duration of the time you are away.
Insurance is yet another cost on top of what can already be a sizable bill, so finding the best insurance is important. The list below gives a few tips for finding the best cover for you.
1. Price
The cost of insurance is a big deal, especially if you're backpacking on a small budget and hoping to go a long way. There are so many different companies out there, that it's not difficult to find cheap travel insurance that covers everything you need. Head online and search out sites that will quote straight away, so you have an immediate idea of the cost.
Compare a number of quotes before deciding which provider to go with. Keep in mind, if you are using a travel agent, they are likely to add a margin to all costs, including insurance, so your quote may be higher than if you book yourself.
2. Reputation
Before accepting a quote and spending the money, ensure the provider you have chosen is reputable -- you don't want a company you have to fight to get support from if you are in a difficult situation. Go online to blogs and forums and explore any comments about the company so you can get an idea of their service level. Generally people make comments if they are either incredibly pleased or very unhappy with a particular service, so you should get a good cross section of ideas for a reputable company.
3. Options for cover
A good provider offers a comprehensive option, as well as a cheaper 'essentials' and basics option. While the latter don't cover as much, they may be all you need. Don't spend money on things you don't need, but make sure you cover what you do need.
4. Consider what you need
The type of cover you need depends on the type of travel you are undertaking. If going overseas, at a basic level, you will need cover for emergency medical and dental costs, credit cards, travellers cheques and documents such as passports, luggage and personal liability. In addition, you can get cover for loss of income, theft of cash, luggage delay, cancellation fees, alternative transport, rental vehicle excess and a range of other items.
5. A comprehensive cover
If you do decide you want comprehensive cover, keep in mind that what is covered can change from company to company. Compare comprehensive offerings so you get the best deal.
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