The New Year is traditionally a time when many of us start planning our holidays for the months ahead. Because we definitely need something to look forward to in the post-Christmas lull! But it’s not just far-flung destinations we need to make decisions about. There’s also the slightly less exciting stuff too. Ok, so travel insurance doesn’t exactly have the same WOW factor as choosing which sun-drenched resort you’re going to stay at, but it’s just as important.
It can be tempting to just go for the cheapest option a search site brings up. But is this safest method of selection? If something does go wrong when you’re overseas, you might find you don’t have the right cover for your circumstances and could be left with expensive medical and transport bills. So whether you’re planning a two week all-inclusive package or an adventurous gap year trip, here are some tips on how to make sure you have the best travel insurance for your needs. And at an affordable price too.
Are You Covered for All Your Activities?
A holiday or gap year is the perfect opportunity to try something new, whether it’s a sport or something a bit more adventurous. And why not? It can be more affordable to do this sort of thing overseas and there are lots of great deals available if you book in advance before you leave. But when it comes to travel insurance, this is where a lot of people come unstuck. Yes, trying something new is great, but many cheaper travel insurance policies may not cover you if you get injured while doing them.
This is why it’s so important to not only check the small print, but also do a bit of research before you commit to a policy. If you already have lots of new activities planned for your trip, Alpha Travel Insurance make it as easy as possible to ensure you have the right cover. On their site, you can select policies specifically for snowboarding and ski trips, or you can opt for their specialist gap year package that automatically covers you for hundreds of adventurous activities at no extra cost. Although please do check to see whether your particular activity is covered in this plan too, just to be on the safe side.
Does Your Policy Suit Your Trip?
Talking of different types of cover, many people don’t know you can actually get a travel insurance policy to suit different types of trips. So instead of just inputting how long you’re going to be away for into the search engine, why not explore other options?
One that makes the soundest financial sense is multi-trip insurance for – you’ve guessed it – people who take multiple trips throughout the year. Because it’s much more sensible to make just one payment over the year rather than fork out for a policy every time you travel. But there are lots of other types of cover available. Alpha Travel Insurance is different because it offers policies for all sorts of holidays, not just single trip, multi-trip and gap year. You can take out specialist interrailing, adventure, family, couples and group insurance. And the booking process on their site gives you that extra peace of mind, knowing you are covered without having to check everything manually yourself. Plus, there are even extras you can add on to their policies including festival cover and gadget cover.
Is Your Medical Cover Suitable?
Whatever sort of travel insurance you take out, it’s good practice to double and triple check the medical cover and whether it suits your needs. ALWAYS declare if you have an existing medical condition if this information is required. Otherwise you may be faced with a huge bill if you get ill whilst away. And as we mentioned above, if you are planning on undertaking a more adventurous activity while you’re on holiday, please take a look at the specialist cover available (such as snowboarding policies). This is because standard single trip policies do not usually cover you for these sorts of activities if you get injured.
Is it a Fair Price?
Of course, the cost of your travel insurance is going to be a huge deciding factor for a lot of people. And you might assume that opting for a more specialist, comprehensive policy is going to cost you more. To be fair, you’d be right, it probably will. But by its very nature, a good insurance policy is designed to save you money by covering you if something goes wrong. And the better the insurance policy, the more likely it is that you will be covered. Because what is the point for taking the cheaper option if there is a risk it won’t honour a claim? Not only will this potentially save you a huge amount of money if you need to make a claim, but there are other ways you can find a discount on your initial outlay.
As with many types of insurance policy, you may be able to reduce the cost if you opt for a higher excess. But there are also lots of online discounts to be found if you arrange directly with the travel insurance provider too. For example, our Alpha Travel Insurance voucher codes can currently give you an extra 22% off ALL of their policies if you take one out before 29th February 2020.
Does Your Travel Insurance Company Support Sustainable Initiatives?
This is one last question you might want to ask before you commit to a provider. As with many things in life, we are all paying closer attention to the ethical and sustainable policies of the companies we choose to give money our to. So if you are looking for a more environmentally-friendly option for your travel insurance, you can do a lot worse that go with Alpha Travel Insurance. This is because they support the sustainable tourist industry as well as offering excellent policies!
As is often the case when holiday planning, sometimes the smaller details get left to the last minute. But this year, please consider organising your travel insurance well in advance. This will give you more time to research your options and find the best policy for you. And not just in terms of cover, but in terms of price too.
By Anna Scott, 6th January 2020