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How to find travel insurance from Best Buy

Getting the best buy travel insurance is more than just finding the cheapest policy on offer. You also need to make sure you get the right policy for what you have planned and what might happen. After all, taking out a policy that won’t pay if you need it defeats the whole point of travel insurance in the first place.

Here are a few things to keep in mind that should help you find the best purchase for travel insurance:

Where are you going? Think where you are going. What are the dangers there? What are the medical facilities like? You may have medical cover, but it’s worth checking to see if your policy will cover repatriation if you’re in a place where medical treatments may be limited. This is particularly important for an annual policy; you should read the Foreign Office Travel Advice pages to check which areas are currently considered unsafe by the government. If this is the case, insurers will not provide coverage as standard.

What are you going to do when you get there? If you have specific activities planned on your vacation, especially dangerous, you must declare them in advance. Failure to disclose this type of information is one of the most common reasons insurers don’t pay claims. This is particularly relevant if you are going to participate in winter sports; most resort clinics in Europe are not covered by the EHIC* card, competition participants and off-piste skiing are generally exempt from standard policies, and activities such as stunts, jumps or bobsleighs may also be excluded.

What are the exclusions and excesses? There is no such thing as a standard measure for exclusions and excesses in the travel insurance policy. Different insurers can vary widely in what they offer, and paying attention to the fine print can help you find the best deal. Travel insurance can be a time-consuming aspect of your vacation, but it’s an important one.

Is there a 24 hour hotline? This is not so much a money saver, but it can be extremely helpful. Time zone differences can make it difficult to make claims abroad, and if you need medical assistance, you’ll want to get it done as soon as possible.

Can you customize your case? Not everyone needs all aspects of an insurance package. While travel insurance was developed with package tours in mind, the industry has adapted to cater to the growing number of independent tourists. Customizing your cover to fit your own plans is key to finding the best buy.

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