Never ever travel without direct travel insurance especially if you are traveling on holiday. It is better to be forearmed with insurance protection than rue it later in case any unfortunate accident should happen. You may think that insurance is such a waste of money and in all probabilities you may have a problem-free holiday and seamless travel but are you ready to burn a hole in your pocket if some calamity should befall you?
There are so many policy options to choose from and not all policy types are expensive. ‘Expensive’ is relative to the amount of cover you opt for. The trick is to first know what you want from the insurance policy and then search out for the best that fits your need. Unfortunately you do not have the ‘one size fits all’ kind of insurance policies. There is the basic or standard cover and then add-ons. In some cases the add-ons are built in, in others, you choose to add-on. The best insurance policy, ideally, would be one that covers your comprehensive needs. This may not always be possible. So what do you do? Select the optimum basic policy and then add on cover for events that have the highest probability to occur. Evaluate the offers by various insurance companies and negotiate the best deal as competition is pretty fierce among these companies.
Only you would know what kind of direct travel insurance you would need.
So, get that fixed first. Do a little bit of research on the medical costs and facilities in the place or country you plan to visit. In some countries the cost for medical care could be frightfully expensive, unless covered by insurance. If you plan to visit such places, then traveling without insurance is very risky. Factor in worst case scenarios. What if the quality of medical care in the place you visit is not of high standards and evacuation to your home country is required. Who knows, you may even need an air ambulance.
How do you select the right travel insurance package?
There are two ways of doing this. First, drop into your travel agency office, if you have the time to do so. Check out the various options that they offer. Make a short list of this.
Second, search the net and zero in on a few companies and their offers that you find suitable. It is helpful to create a short list as there are umpteen insurance companies and brokers out there and a mountain of information to collate. The short list will help you to narrow down your search to arrive at the best offer for you to consider.
On the face of it, it seems to be a daunting task but the effort is well worth your while, as you will, finally, come up with a suitable insurance policy that would save you money and on hindsight, a worthy investment. So don’t be penny wise and pound foolish. Get direct travel insurance before you travel.