When planning their next trip, many people forget to pack one important item: travel insurance. It can be fun to pack your bags and book accommodation, but getting insurance can save you time, money and stress in the long run. Here’s a complete travel insurance checklist before you go.
Find out what your travel insurance covers
You must read your insurance policy carefully and understand what it covers. Most travel insurance plans cover things like trip cancellation, flight disruptions, medical conditions, baggage loss and delays and more. Some plans also offer additional services, such as emergency exit, outdoor sports coverage and rental car security. Please ensure that the insurance coverage aligns with the type of trip you’re taking.
Check the insurance limits
Pay close attention to the maximum amount your insurance will pay. It’s very important to have medical insurance when travelling abroad, as medical expenses can be very high. Please ensure that your insurance policy for baggage loss offers sufficient coverage for valuable items, including electronic devices.
Understand what is not covered
Not all policies include exclusions. Common situations include: pre-existing conditions, participation in risky activities (unless added to the policy), political unrest or violations of government regulations. Read this information carefully to avoid surprises later.
Make sure you are fully covered
Please ensure that your policy remains valid from the day of departure through to the day of return. Some policies are based on the date, while others are based on the duration of the trip. If your flight is delayed or extended without notice, you may have to change services.
Make sure you have emergency medical coverage
One of the most important parts of travel insurance is medical coverage. Please ensure that your insurance includes coverage for hospital visits and medical care in your destination country. If you already have health insurance, find out what coverage your insurance provides abroad.
Trip cancellation and interruption cover included
This part of your policy allows you to cover planned expenses if you have to interrupt your trip due to illness, family circumstances or other force majeure. If you have to return home early, you can get some of your travel costs back with interruption cover.
If necessary, you can increase the insured amount
If you want to cover more risks during your trip, you may want to consider extending your cover. People who do dangerous sports such as diving or skiing, own expensive equipment or go on expensive trips may need additional cover. For maximum freedom, you may also want to consider the Cancel for Any Reason (CFAR) service.
Keep emergency contact details at hand
Keep your insurance company’s emergency contact details at hand. Many travel insurers have a telephone number that you can always call for help with medical treatment, lost documents or legal issues. Having this number at hand can help you get help faster when you need it most.
Please review the claims process once more
Learn how to file a claim before you travel. Please determine the necessary evidence, such as medical bills, proof of flight delays, or police records. If your insurance company has a mobile app, we recommend downloading it so you can quickly file a claim while you’re on the road.
Keep your policy information safe
You should print a copy of your policy and email it to yourself electronically. Also give a copy to a trusted family member or friend. Please record your insurance number, coverage details, and an emergency contact number.
Final summary
This part of the trip may not be the most fun, but it can be the most important. It’s wise to read your benefits carefully and understand your policy. This will protect your health, your belongings, and your wallet. Please ensure you have completed everything on this list before you depart to travel with peace of mind.
