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How to Compare Various Travel Insurance Packages We all know how different travel insurance plans can be in terms of features and benefits, as well as in prices. Some offer just a little more cover for a slightly higher cost, and the least expensive option is not necessarily the best you have. If you’re planning a holiday, whether alone or with the family or the gang, here are handy tips to help you find the right travel insurance plan for everyone: LEVEL OF COVER – Obviously, this is the first thing you want to check. For example, will the policy cover you for theft or loss of your baggage, medical emergencies, trip cancellation and travel delays? Before you begin to compare different policies, make sure you’ve already listed down the features and benefits you want. AGE FACTOR – YOur premiums will be affected by your age. Older people pay higher premiums.
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MEDICAL CONDITION – If you have an existing medical condition, you have to be honest about it with the insurer, even if this is going to increase your premiums a little. Otherwise, your policy is going to be voided, prohibiting you from making any claims that may or may not have something to do with the medical condition in question.
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LIMITS ON LOSS OR THEFT OF BAGGAGE – Policies may provide protection against theft or loss of baggage, but not necessarily for its entire cost. There will be limits on the claim. Certain possessions (for example, electrical equipment) will not be covered by travel insurance, but you can always have them included as an add-on. HOLIDAY CANCELLATION – If you plan compensates you for holiday cancellation, ask how much. If you’ll be on a cruise, which normally costs thousands, will you be covered by that much? SINGLE-TRIP INSURANCE – If the plan is to take a cruise, single-trip insurance will most likely be insufficient. A plan that is specialized for cruises will be your best option. If you’ll be away for more than 30 days, whether you’re taking a cruise or not, you should still get specialist insurance. SINGLE-TRIP OR ANNUAL – Unless you frequently travel in the course of a year, you should stick to single-trip coverage. FAMILY INSURANCE – This may not include stepchildren. TRAVEL ADVISORIES TO CERTAIN COUNTRIES – If you insist on traveling to a country which, for some reason, your government has officially advised the public to avoid, you may not be able to make a claim. If you’re just not sure, double-check with the insurer. SPORTS COVERAGE – Regular travel insurance will probably not include coverage for sports, so if the plan is to go skiing, you’ll need a special policy for that. If you want to end up with the right travel insurance, make sure to compare different policies from different insurers. This allows you to see the best one based on your needs and requirements.