Cheap Travel Insurance Quotes

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Comparing travel insurance quotes is now simpler, thanks to Insuranks. With our top picks, comparison tips, and travel insurance reviews, you can choose the right travel coverage for yourself and all your travel buddies. 

This article reveals what you should know about cheap travel insurance. Here we go:

What is Travel Insurance?

Travel insurance refers to a plan that offers coverage for all unforeseen travel expenses when you’re leaving your home to travel to your dream destination.

If you are travelling domestically or even internationally, travel insurance covers the following: 

  • Medical emergencies 
  • Lost luggage 
  • Trip cancellations, etc. 

Let us dive further into the benefits of travel insurance and more. 

What Should You Ask Your Current Provider About Before You Purchase a Travel Insurance Plan?

You should talk to your current insurance company to check if some of your needs are taken care of before you apply for a travel coverage plan. 

If you have a health insurance policy, for example, you should ask if they extend their coverage to international destinations. Also, you should ask if they cover you against terrorist attacks, natural disasters, or even accidents that may occur during high-risk adventure activities.

  

Is Travel Insurance Worth It? Its Benefits

You may be wondering if travel health insurance is worth it. Well, worry not since we are about to reveal its benefits below:

Emergency Cases 

Honestly, medical emergencies do not come cheap especially if you are visiting a foreign country. It is even more expensive if the emergency needs admission to a hospital. 

With travel insurance, you can travel around the world assured that any medical emergencies will be taken care of by the company. 

Accepted Abroad 

If you have standard health coverage, you may be denied hospitalization in foreign countries because most of them prefer travel-specific insurance.

Legal and Visa Requirements

Before you can enter some countries, you should have health insurance. If you do not have it, you may experience Visa complications. 

Financial Security

In our travel Insurance comparison reviews, we have made it clear that the main purpose of coverage is financial security. Travel Insurance can protect against potential costs, especially those involving lost luggage or medical emergencies. So, you can enjoy your trip without worries. 

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Types of Travel Insurance

Here are the various types of travel insurance plans: 

Travel Medical Insurance

This type of travel insurance offers coverage for your hospital bills, medical emergencies, and all other health issues while you are on your trip. With travel medical insurance, you can also be evacuated which makes it easy for you to be moved to the nearest suitable health center.

However, this type of plan does not cater for pre-existing conditions. If you have any of such conditions, you should make the right arrangements before embarking on your trip. 

Notably, some firms offer discounts if you buy the plans as a group. 

Multi-Trip Travel Insurance

Multi-trip travel insurance caters to people who travel a lot. It is a cheap plan since you will not have to buy a new plan every time you are travelling. 

This plan lasts for the period stated on the fine print, after which you will need to renew it.

 Trip Cancellation Insurance

Trip cancellation insurance is a type of coverage that aims to reimburse any travel costs that are non-refundable if you opt to cancel your trip. In some cases, you may want to cancel a trip due to a sudden illness or even a family emergency. However, make sure you talk to an agent so that you can understand every bit of the coverage. 

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What is Excluded from Travel Insurance Coverage?

You may face exclusions if you: 

  • Have pre-existing conditions 
  • Tour places or destinations considered high-risk
  • If you get hurt as a result of negligence or drug abuse

You should ask your insurer about the possible exclusions to avoid inconveniences. 

What Are Some Other Added Fees I May Want to Consider?

You can decide to add some coverage to your current travel insurance plan but this increases the premiums. 

For example, you can consider the following: 

  • Adventure Sports Coverage: 
  • If you want to engage in scuba diving, skiing, or zip-lining, you will need extra coverage. 
  • Rental Car Coverage: This added coverage will take care of the costs of vehicle theft or damage. 
  • Baggage Insurance: With this added coverage, you will be protected against stolen, damaged, or lost personal belongings. 

Talk to the insurer to find out if they offer these types of extra coverage. 

Finding the Best Travel Insurance Companies

Besides comparing prices, you should ask yourself these questions when choosing a travel insurance firm; 

  • Are you travelling with your family, alone, or with a group of friends? 
  • Will you be taking part in activities such as scuba diving which are considered high risk?
  • How many times do you travel in a year? 
  • How long will the trip be?

Answering these questions is your first step towards finding the travel insurance company that can serve your needs well. After that, you can now use our site to compare the companies. Consider picking the travel insurance companies with high ratings on customer service and satisfaction. 

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Travel Insurance Cost

Travel insurance does not cost the same for everyone because of these aspects: 

  • Age: Young travellers pay less while older ones may pay higher premiums because of the increased risk associated with their age.
  • Travel Companions: If you are travelling alone, you will pay less. However, if you are going as a family, you will pay more. 
  • Coverage Level: A simple travel insurance plan will be cheap but a more comprehensive coverage will cost more.

Notably, many travel insurance companies ask you to pay 4% to about 10% of the total amount of your trip. However, aspects such as your health status, preferred destination, and the duration of your trip will probably impact your travel insurance quotes. 

Conclusion 

Find the best travel insurance companies on our site. Compare quotes and find out what is covered in each plan. Read customer reviews and check out the company’s customer satisfaction ratings to help you select the best. If you need help, you can get in touch with the companies using the contact numbers on your homepage. 

 

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