The Best Travel Insurance to Buy Before Your Next Trip
Before your next vacation, travel or business trip, it’s important to protect yourself against the unexpected and ensure you get back home safe and sound. One way to do this is by purchasing travel insurance – but what kind should you purchase? There are lots of options available, so let’s dive in to the best travel insurance out there today and see how it can help protect you when your travels take you far from home.
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3 Things to look out for
So what should you look for in travel insurance? I suggest three things: coverage, ease of use and cost. These are usually mutually exclusive but if you can find one that hits all three points, it'll make your trip a whole lot easier. So here’s my list of best travel insurance for business travel and vacationing.
What do you want covered?
Simply being covered for medical care and emergencies doesn’t give you a great deal of confidence. If you know that your chosen insurance will cover lost luggage, or stolen personal items – it will help you sleep easier at night and also feel more confident while traveling. The best travel insurance to buy should have all of these covered in some way. You can then read through each policy, pick out your must-haves and be on your way!
Pick the right duration
If you’re traveling for more than a week, purchasing a multi-trip travel insurance policy is probably your best bet. Multi-trip policies can be up to 31 days long and provide you with excellent coverage. However, if you only need one or two individual trips per year, then an annual travel insurance policy might be your best bet. In that case, check out Short Term Travel Insurance for simple coverage when you’re on vacation. This includes cancellation protection and medical emergency protection and many policies offer trip delay protection as well. However, keep in mind that if you have a pre-existing condition or are over 65 years old you may have difficulty finding inexpensive travel insurance, so look into buying travel insurance through your credit card company instead.
How long do you need it for?
One of the most important things to consider is how long you need your travel insurance for. If you’re travelling once or twice a year, it might be best just to buy single-trip travel insurance – your premium will be much lower than that of an annual policy and if anything were to happen, you wouldn’t be stuck paying for 12 months of cover. It’s also worth noting that some single-trip policies only last for a set period; after 30 days (for example) it may not be valid anymore. Keep all of these in mind when thinking about how long you need your travel insurance for.