Buying Travel Insurance

It is important to check your current health insurance policy first to see what is covered for your trip abroad before buying travel insurance.

If you make more than three trips a year-check on multi trip coverage, or annual coverage, as it might be more cost effective.

If you have a serious medical condition you might consider getting a quote excluding any pre existing medical issues before buying travel insurance.

If you are 65 years or older, many companies offer additional discounts.

If you are traveling with your family and friends, consider combining polices because buying travel insurance per trip is less than buying per person.

Try to avoid using your policy.

Even though you may be insured you should still take care of your possessions and personal safety. For example, you may lose your camera, you will get reimbursed for the camera, but your photos cannot be replaced. If you are not careful and possibly become injured, what kind of vacation would you have if you are spending your entire time in a hospital.

Last But Not Least Tips for Buying Travel Insurance

Make sure your traveling to a safe destination.
Don't take anything irreplaceable with you.
Use your hotel safe or safety deposit box.
Keep your room locked at all times.
Use traveler’s checks instead of cash.
Make sure you know the risks of the area you're travelling to.
Avoid drinking tap water if possible.
Keep a copy of your insurance policy documents at home.
Report any loss, or theft to the local authorities immediately.