Travel Insurance Package
Pack Your Bags! Get Some Travel Insurance With Me
I’m looking for good cheap travel insurance. I have a week before I leave for my holiday and I need to get a policy quick! I’m going to write about my experience trying to find a policy that will cover 2 adults for a 36 day trip. It’s a long holiday I know! If you ever have to look for insurance I hope that you can refer to this article and learn from my experience.
For every trip that I take I spend quite a bit of time organizing. I usually do a bit of pre-holiday shopping, get a haircut so I will look good on the beach and make a list of the items I need to pack. Before I start packing I get my travel insurance!
I am going overseas for an extended period of time and I’m hunting for comprehensive travel insurance package to keep me covered for any nasty eventualities on my trip. I like to start the process by writing down a few of the problems I am most worried about on my travel. This can vary on the type of trip that you are doing and the destination that you are going on.
If I was taking a ski holiday I might priorities cover for personal injury or damage to my ski equipment. This trip isn’t an action filled holiday, I might do a bit of snorkeling but my main concerns are:
1- Making sure I get to my destinations and home again in one piece (with all my luggage).
2- Cover for health/accident related problems that might occur.
3 -Having cover for any theft, loss or damage to my possessions while I’m away. Travelling for a month
means that I have a lot of luggage. I don’t want to worry about my precious laptop and camera!
Now that I have a few priorities I’m going to start my search.
Internet comparison websites really do make life a lot easier. I’ve carried out a couple of searches on Confused.com and MoneySuperMarket.com. The lowest prices for a travelling couple on a holiday longer than 30 days is about £40 pounds up to a maximum of £230 pounds for luxury travel insurance! I’m not going to consider the policies as I can see that the luggage cover values are too low.
Later I’ll need to check out the maximum single item cover limit for baggage as expensive single items such as laptops and camera might fall outside of some of these policies.
I’ve decided to use quotes from Confused.com only as I am pushed for time and they offer the largest comparison of insurers at the moment. If I had more time I would look at hitting up MoneySupermarket and others comparison sites as then I could get a larger comparison.
So here are my chosen runners -
TRAVEL INSURER Premium Medical Cancellation Baggage Excess
Travel Insurance Genie £57.20 £10 Mill £2K £1.5K £65
Travel Plan Online £57.50 £10 Mill £5K £1K £100
Swift Cover £62.19 £10 Mill £2K £2K £75
Direct Travel Insurance £72 £10 Mill £3K £1.5K £50
There is a £15 difference between the most expensive and least expensive policies. Looking at them closely it is going to be interesting to see what I can get for my money’s worth.
MEDICAL COVER
Medical cover for all the policies is pretty similar at £10 million. You might think that this is a lot of money but you have to keep in mind that it can be expensive paying for doctors and hospitals when abroad. Just as you don’t get to go to the Grand Canyon for free the US aren’t going to pay for your stay at the local hospital. Breaking your leg in other part so the Continent can be very expensive especially if you have to abandon your holiday and pay for alternative transport home.
CANCELLATIONS
UK weather has been pretty temperamental recently. I am not counting on a nice day for my departure so I’m keeping one eye on the forecast in case I have to set out a few hours early to make it to the airport. I haven’t noticed too many news items about flight cancellations but another bout of snow and ice could make trains and buses a trial. To be sure I want a decent amount of cover for cancellations.
Travel Plan Online has the largest provision for cancellations of the four with £5000. The first leg of our trip London to LA and I don’t think that a replacement flight would cost more that £2000. If you are planning on travelling business or first class you would need to have a higher cover amount for cancellations. For my purposes £2000 is just fine as my flights for the whole trip didn’t cost that much!
So looking at the competition so far the policies are level pegging, price aside.
BAGGAGE
It is difficult making a figure for the value of your suitcase contents…especially when I haven’t packed yet! Having written a list of what I will pack I think that if I lost all of my clothes, toiletries, camera, laptop and other gadgets I would be looking at over a £1000 to replace everything. The policies under investigation cover between £1000 and £2000 for baggage. So at the baggage hurdle Travel Plan Online has tripped up and fallen out of the race!
As Travel Plan Online didn’t provide a high enough value on baggage I am casting them aside. Interestingly enough Travel Plan Online had the highest excess £25 -£50 more than their competitors. If a customer have to make a claim for contents over £1000 the maximum pay out would amount to only £900!
Something to keep in mind for later is whether the survivors provide cover as new for old or 2nd hand value.
EXCESS
So the competition is down 3 insurers now with excesses ranging between £50 and £75. At this early stage I’m not swayed towards any one company so I’ll consider excess later in the piece if the running is close between contenders.
JUDGEMENT SO FAR
Here is my competition table after looking at the basic offers from comparison tables.
TRAVEL INSURER Premium Medical Cancellation Baggage Excess
Travel Insurance Genie £57.20 £10 Mill £2K £1.5K £65
Swift Cover £62.19 £10 Mill £2K £2K £75
Direct Travel Insurance £72 £10 Mill £3K £1.5K £50
I’ve considered price and checked if my basic requirements for travel insurance would be covered.
Travel Plan Online has been crossed out of the competition as in hindsight they would not be able to cover the whole value of my baggage.
If I had to pick a winner at this point it would be Travel Insurance Genie. Based on the bare facts their price is good, they offer a decent amount of medical cover, pretty good cancellation and baggage cover amounts too with a competitive excess at £65.
Next I want to do some research into the service and history of these companies and see if I can dig up any dirt on their performance! Stay tuned for more on my adventures shopping for travel insurance.
The Convenience of Applying Online: Travel Insured and Travelex Insurance
Both Travel Insured and Travelex Insurance companies offer a chance for travelers to get rates on travel insurance right online. You can pick your travel insurance package when it comes to both of these companies and cover yourself from loss when you are traveling. Planning a trip can be very expensive and most of the time, you have to pay for the trip up front. If something occurs, such as a storm or a hurricane, you will then be stuck with the bill but no trip. Both Travel Insured and Travelex Insurance help prevent this from happening.
Traveling to the Caribbean during Hurricane Season?
You can apply for Travel Insured travel insurance right online and get a quote. You can do the same for Travelex Insurance. The quote that you get will depend on where you are going, when you are going and the amount of money that the trip is costing you. Travelex Insurance will not provide a quote for island or cruise travel in the Caribbean during hurricane season. Travel Insured will provide a quote, but it is high. A traveler would have to wonder if it is worth it to insure the trip for an amount that rivals the cost of the trip.
Making the Right Choices for Travel Insurance
Applying for both Travel Insured travel insurance as well as Travelex Insurance is easy. You just have to fill out an online form and send in information regarding your travel itinerary. Once you have done this, you will get a quote on how much travel insurance will cost you. You can choose from several different travel insurance packages. There are those that insure you when it comes to medical coverage and accidents as well as those that will insure against lost bags, water damage or damage to your property when you are traveling.
You can get travel insurance from both Travelex Insurance and Travel Insured for a trip cancellation as well. This will give you a chance to recoup most of your losses if a trip is cancelled.
No travel insurance company will give you money for pain and suffering if your trip is cancelled. In other words, if you have plans for a honeymoon and have travel insurance and a freak storm wipes out the hotel before the honeymoon date, you cannot file a claim on the fact that this ruined your honeymoon and caused you pain and suffering. You can only get the money that you put down for the hotel reservations back to you.
Travel insurance is used when you pre-pay for a trip or a cruise and want to be sure that you do not lose money on the trip in case it is cancelled or if you have to cancel due to illness. Both Travel Insured and Travelex Insurance will cover you in these instances and charge you a low premium, based upon the risk that they are taking. When it comes to filing a claim, you can get the same service from Travelex Insurance as you can get from Travel Insured. You will have to provide them proof that you suffered a loss, send them a receipt of the loss and then collect the proceeds when they pay out.
Few Points in Getting a Cheap Worldwide Travel Insurance
Traveling with love ones, families, and friends can be so expensive. Another expense that you could do without is travel insurance. Many people says that obtaining a travel insurance is time consuming, but you don’t have to waste your precious time to find a Cheap worldwide travel insurance.
Cheap worldwide travel insurance is a good move if ever you have decided to go abroad. This would give you great peace of mind during the trip; unmindful of the unplanned expenses that might occur while on the trip. This would give you enough protection from those unwanted bill that you might not like.
Purchasing a cover from your travel agent is the easiest way to get travel insurance but probably not the best. Some travel companies free cheap cover but it’s unlikely that the insurance really is free, as the cost is generally built into the price of the holiday.
If you purchase travel insurance when you book your holiday, it means that if you fall ill or have an accident and have to cancel your trip as a result, your travel insurance will cover you. Just remember a few points to find the right travel insurance that fits on your budget.
Level of coverage. Think where are you going and what kind of travel do you want. This will greatly affect your insurance quote. If you’re going to rent a car on your travel, this means that the coverage of your travel insurance is much higher. Many people start looking for a travel insurance quote, without really knowing what they need insurance for. If you look in detail at what you expect to be doing on your holiday travel, then you will have a firm idea of what level of cover you need before you start searching for quotes.
Some companies also give a package deal to travelers that travel a lot like planning to go away more than twice a month. This deal can cover all your travel in just on cheap worldwide travel insurance package.
Search an insurance quote. Once you have established the needs in your travel insurance, you should have no problems in finding the right company that can provide it. Just show them what you want and they will give you instant cheap worldwide travel insurance quote. Compare all the quotes you get from different insurance companies to get the cheaper travel insurance that fits your needs.
Remember these points in finding your travel insurance and you should be able to find a good deal in a shot span of time. Preparation is the key to success. However, internet is now very useful to find these services. Here are numerous online travel insurance companies that offer cheap services that suit your needs and budget. Since these companies are competing with one another, they are offering lowered price so you can be able to find the most appropriate cheap insurance you can get. It’s easy, safe and secure to buy your travel insurance online since it offers secure online purchasing longer than most companies have been trading. You are only one click away from saving on your travel insurance. Whether you travel on business or on holiday, click and enter the most popular travel insurance web sites today.