A successful trip is a trip well prépared. The Contingencies can be numerous, and the subscription to a travel insurance often allows to be in peace of mind. But with the various deals that of different company, consumers are often caught unawares. Here are 10 tips to help you in choosing your travel insurance:
1. Analyze your needs
Travel insurance can cover trip cancellation, baggage loss, and accidents and illnesses that occur during your stay. Ask yourself what benefits you need to feel free to go.
2. Avoid duplication
See if the assurances which you have already purchased do not already include certain benefits. If you paid for your trip using your credit card, you are probably covered on certain guarantees. Analyze your existing contracts well.
3. Customize the contract to your destination
Some destinations are riskier than others to health problems for example. Subscribe options adapted to your destination. The consulates of your country abroad are also good sources of information on the risks specific to the chosen destination.
4. Do not neglect your safety
There are no small savings With what concern your safety. Often ,medical expenses abroad are higher price than in your country ,but the subscription to an additional option on your insurance you will avoid unpleasant surprises.
5. Comparing Offers
The insurance sector is subjected to a harsh competition. Once your needs are well targeting , compare offers from different companies, in quotes. The price criterion is of course important, but do not overlook the differences in benefits.
6. Pay attention to details
Figure out the details of proposed contracts: exclusions and reimbursement ceilings are watching carefully. Some benefits may seem attractive at first, but their conditions of application can be very restrictive. So remember to look at the fine print or schedules to the contract.
7. Also remember to cover your family
Establish a contract that will cover all tour participants. This will centralize efforts and is often cheaper than subscribing to several individual contracts.
8. Harvest rating
The feedback can avoid unpleasant surprises. Collect the opinions of your relatives or those of other Internet consumers to refine your choices.
9. Prefer specialists
Choose an insurer recognized and specialized in travel insurance. This will ensure that the covers are offered adapted to your trip.
10. Rely on assistance
Travel insurance takes care of your administrative and financial problems in case of disaster. To not feel isolated in case of problems, complete your contract with a provision of assistance to help you in your efforts there. A good travel insurance should normally include this provision.
Once your choice is made and the contract signed, do not forget to take with you a summary of your contract that contains your security number and telephone numbers to contact in case of trouble.
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