Insurance is one of those subjects that is enough to make even the most alert person fall into a fit of yawns; it’s just not something that seems exciting, or something you can physically see. That being said, if you need it, it’s something that is extremely valuable, and you’ll be glad you took the time out to purchase your all-important policy!
Travelling without adequate travel insurance is a huge no-no, and anyone who does this is gambling not only with their money, but also their health. Put simply, in the event of a problem, you’re in hot water financially and health wise if you don’t take the time out to find a good quality policy, and also make sure you declare your pre-existing conditions for travel insurance. If you do this, there is no reason why your holiday and travels shouldn’t be safe, happy, and healthy.
Finding that cheap insurance deal isn’t necessarily a stressful business, but it does take patience and time, so if you’re not a particularly patient person then you could find yourself getting a little irate! Keep the stress levels low for any facet of your travel time, because let’s face it, we save up hard enough for them, and there’s no point in spoiling it by getting stressed out before you even leave the house. Unexpected things can and do happen but if you make sure you’re insured for the major things, as well as the smaller things such as lost baggage etc, and keep ahead of the game using tools available to you, such as checking your flight status prior to flying, then you have no excuse to not be calm and serene!
Don’t be caught into the trap of booking your travel insurance through your travel agent. When you book a package deal, either online or face to face, you will be offered the company’s policy and this means you will more than likely end up paying more than if you searched yourself. The best thing to do I find is to head online and find a good quality price comparison website. Pick a policy that suits your needs, e.g. low cost and good excess charges. If you are thinking of doing any extreme sports, you will probably have to purchase an add-on, so be sure to call first to check you are covered for everything. Remember also to declare any medical problems you have or have had, and that way you will be covered and not be in store for any nasty surprises.
All you need to do then is pay for it, print it out, put the documentation in your hand luggage, and store the number somewhere safe.