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Travel insurance has many complicated factors that you need to understand before you start paying, make sure your package includes this list. Before you choose a package, look at the finer details of your package:
• Inclusive of worldwide or European cover
• How many days you will be covered for, per trip
• What is the maximum compensation for: lost luggage, lost or stolen cash, lost glasses, lost or stolen personal valuables (check if your home insurance covers your personal valuables when you are travelling)
• Coverage for your age group
• Check what the policy excludes
• Check the excess
• Does it cover dangerous activities and destinations
• Inclusive of personal liability cover
• Whether your health insurance covers serious injury or sudden illness
• Trip cancellation or unexpectedly leaving early due to illness or other circumstances
• Full cost of your holiday
• Inclusive of compensating lost or stolen Some types of insurance may include:
• Personal accidental death cover (disability and death)
• Cover for pregnancy
• Legal expenses/ financial protection if your travel agency goes bankrupt You can also consider optional cover for your home while you are away.
©Diane Moalem for Compare Guru
