Best Europe Travel Insurance:
Getting best buy Europe travel insurance is about more than just finding the cheapest policy on offer. You’ve also got ensure that you get the right policy for what you’ve got planned and for what might happen. After all, taking a policy that won’t pay out 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 buy for travel insurance
Where are you going? Think about where you’re going. What are the dangers there? What are the medical facilities like? You may have medical cover but its worth checking to see if your policy will cover repatriation if you’re somewhere where medical treatments may be limited. This is particularly important for an annual policy; you should read the Foreign Office’s Travel Tips and Advice pages to check which areas are currently seen as unsafe by the government. If this is the case then insurers will not provide cover as standard.
What are you going to do when you get there? If you have any specific activities planned on your holiday, particularly hazardous ones, you should declare them beforehand. Failure to disclose this kind of information is one of the most common reasons that claims go unpaid by insurers. This is particularly relevant if you’re going to be taking part in winter sports most resort clinics in Europe aren’t covered by the EHIC* card, competition entrants and off-piste skiing are usually exempt from standard policies and activities such as stunts, jumping or bobsleigh may also be excluded.
What are the exclusions and excesses? There’s no such thing as a standard measure for exclusions and excesses in travel insurance policy. Different insurers can vary widely in what they offer and paying attention to the small print can help you find the best buy. Travel insurance can be a time consuming aspect of your holiday but its an important one.
Is there a 24 hour hotline? This isn’t so much a money saver but it can be extremely useful. Time zone differences can complicate making claims abroad and if you need medical assistance, you’ll want to make them sooner rather than later.
Can you customize your cover? Not everyone needs all aspects of an insurance package. Whilst travel insurance was developed with package holidays in mind, the industry has adapted to meet the rising numbers of independent holidaymakers. Customizing your cover to accommodate your own plans is key to finding the best buy.
Tips For Travel Insurance:
Finding the right travel insurance for your own personal needs is hard, and is only made harder when you are over 65 years old. Most insurance companies are less willing to insure senior citizens, and insurance is no different. Their reluctance stems from the assumption that those aged over 65 are more likely to accidents while travelling. This leads not just to having to search longer and more extensively for a willing insurer, but also having to pay as much as three times or more than a younger person.
Even with such opposition there is plenty of hope. Some travel insurance companies pride themselves on insuring large amounts of travelling senior citizens. There are plenty of insurers willing to produce a wide variety of polices for you to choose from. You could find a great bargain if you take the time to look around and follow these five very important Travel Tips.
- Buy travel insurance directly from the insurer. Do not waste time with a travel agent or tour operator. These organizations will be more than willing to arrange you with a policy, but usually it is not the best option for your needs, and they tend not to be competitively priced. Always talk directly with the travel insurance provider. This cuts out the middle man in the deal, meaning you save money and time better spent elsewhere.
- Watch for the hidden policy options that insurers try to sneak in! If you take the time to scrupulously review your policy you can throw out the coverage you could not possibly need, such as extreme sports. Do you really need deep sea diving coverage, if you have no likelihood of ever attempting it?
- Do not waste money on multi-trip insurance. Most travelers over the age of 65 romantically waste money on 2 or more years of travel insurance, when they only travel once in that time period. Find a policy that is better fit to your personal needs and your wallet.
- Do not be forced into the fallacy of signing the first insurance company you run across. Always compare quotes, and maybe even mention to the insurance company the price that their competitor quoted you. Be stingy with your patronage, you deserve the absolute best quality service.
Lastly, be wholly honest. Especially when talking directly to the insurance company, you will eventually have to prove everything that you say, so honesty is the best policy. When you add duplicity when conversing with your travel insurance company it will do one of two things. Either they will completely deny you that great deal you had bargained for, or, they will turn this falsehood into an advantage against you, demanding a higher quote from you. Your goal is to get the lowest priced, yet perfectly tailored quote you can, deception is only counterproductive to this goal.