Selecting comprehensive travel insurance should be a careful process. To avoid making it unduly complex, there are key features you should aim to find.
Selecting cover can seem contrary to the mood of your trip. The flights, the tours, the wonderful sights and sounds – all these are planned with anticipation and excitement. No one is excited by the risk of illness or lost valuables. But this rather morose factor makes it all the more important to choose the best cover in the simplest and most stress-free way possible. This means knowing the features of reliable policies.
The most basic features of cover revolve around mitigation of losses caused by accident, illness, or loss. Yet choosing comprehensive travel insurance by definition implies identifying the right policy for you from a list of policies with depth. Depth of cover should exceed the expectations set by basic coverage. The offering of unlimited or high-range protection against unforeseen natural disasters, sickness, or lost baggage is all very well; but you should look for policies that extend to a full-range of medical treatments, emergency events, lost valuables, missing travel documents, death and disability, cancellation and itinerary disruptions, and theft. Even budget policies should be chosen based on the ability to back their claim of extensive coverage with actual depth.
The very nature of honest coverage is that it is not 'one size fits all'. The calculation of premiums and excesses is based on the differentiation of risk according to traveller, destination, and planned travel activities. Hence it is important for you to ask very precise questions regarding the flexibility afforded to you by your comprehensive travel insurance provider. Whether you are on single, short stay or a long, multi-location trip matters. So does the difference between a business traveller and backpacker. Your policy should recognise this by offering options that differ in cost. This should be at the forefront of any advertising, and should be able to be taken apart and clarified upon examination by you.
Just as the first decision that is likely to lift your spirits in the process of your trip planning is your choice of destination, so should destination be a primary concern of yours when selecting comprehensive travel insurance. The differences in location equate to differences in cover and cost. One of the chief features of reliable coverage is that it clearly explains to you the options of coverage available to you in destinations across the world and how these options translate to upfront and potential costs. This then allows you to tailor a package to suit your journey across several destinations.
Customer service should be at the heart of any quality comprehensive travel insurance plan from start to finish. It is simply not enough that you are given options for in-depth cover that fit your journey needs and itinerary if you do not have access to suitable support throughout your trip. Many quality policies come with extensive contact options for you to discuss your cover and have support in the case of any unfortunate eventuality or emergency. Hence, quality cover features personable contact and support from the quote to the unforeseen and potential event.
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ABOUT THE AUTHOR
Patrick Chong is the Managing Director of Insuremore. We provide comprehensive travel insurance and offer a range of policies including single-trip, multi-trip and family insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
By Lisa Jeeves