Travel insurance at affordable premiums

Top tips on getting suitable travel insurance

Whenever you go out of the country, even for just a day, insurance is one of the things that you may want to consider purchasing.

Insurance may have many benefits, but whether you decide to buy a policy is always your decision. It can typically provide you with financial protection should you require medical care, as well as compensation for trip cancellation, lost or stolen items, personal accidents and more.

If you do decide that you would like to purchase travel insurance, here are some of the factors to consider to help you find suitable cover.

Do you require single-trip or multi-trip cover?

The first thing to decide is whether you want insurance for a single trip or for multiple trips throughout the year.

If you only plan to go abroad once or twice a year, single-trip may often be a suitable option. However, if you plan to travel three or more times in a year, multi-trip cover could allow you to make a saving.

Of course, this is not always the case, so it is a good idea to work out exactly how much you will spend on the different policies to help you make your decision.

Choose your type of policy

Insurance comes in a wide range of policies to reflect the fact that people travel for many different reasons. For example, an adventure sports holiday is likely to present different levels of risks than a business trip.

Start your search by looking through the types of policies available and the events that they include cover for. At BengoTravel, we provide a range of policies, including:

As well as the type of policy, you may also want to buy cover for a group or a family rather than just individual cover, so this is something else to consider.

Decide on the level of cover you need

Once you have decided on the type of policy you would like, the next thing to do is decide on how comprehensive you want your cover to be.

For example, say you would like to take out a backpacker policy for your upcoming round-the-world trip. You may want to simply ensure you have cover in place for emergency medical care and repatriation, in which case you may want to choose the 'Last Minute' option.

If you want something a bit more comprehensive, which could include trip cancellation, personal belongings and more, you may instead choose to opt for the 'Essential' or 'Optimum' cover levels.

This is always a personal decision, so simply decide what you need and choose the level of cover that is suitable for your trip.

Declare any pre-existing medical conditions

Whenever you buy insurance, you may be asked to confirm whether you have any pre-existing health conditions. This is because the risk to the insurer can increase if you suffer from certain conditions.

If you do have a condition, you may have to pay a higher premium. In some cases, you may be refused cover for any costs arising from the condition.

However, always be honest because if you do experience a problem while overseas and you have not declared your condition, it could cause serious problems.

For example, the BBC reports on a couple who were landed a bill of over £600,000 for failing to declare a pre-existing condition, highlighting the very real risks travellers can face.

Find insurance for your trip

Many people decide to take out insurance when they travel so that they can enjoy peace of mind in the knowledge that they are protected. If you would like to take out insurance, go over the above areas and they may help you to find a suitable policy.