Everyone knows that travelling without insurance is a major no-no, but how exactly does the process work? Here, we answer some of the most common questions about travel insurance and help you prep to find a policy that makes your getaway dreams possible!
Do I really need coverage?
Yes, you really do. Though plenty of vacationers jet off without it, it’s wise to add an insurance policy to your list of must-book essentials along with flights, hotels and rental cars. It’s the single best way to make sure that you’re taken care of in the event that something goes wrong.
When should I purchase the policy?
The best rule of thumb is to buy your plan at the same time that you book your flights and hotels. You can purchase insurance up to a year in advance of the trip and anytime in the days before you depart on your journey. Be forewarned: Though you could theoretically invest in a plan the day before you jet off, the coverage typically won’t begin until you pay the premium and will only cover cancellation fees and lost deposits from that point forward.
I’m at my destination and need a plan. Can I buy one now?
This usually isn’t an option. Most plans require you to confirm your trip insurance before you depart from your country of origin. For instance, if you’re travelling from Sydney to Shanghai, you’ll need to purchase the AmEx travel insurance Australia offers prior to boarding your flight.
What’s the most comprehensive option?
If you’re looking at choices for one vacation, a single-trip plan is often the best way to go. Depending on the company, you could get coverage for cancellation fees, medical assistance, delayed and lost luggage, personal effects and rental vehicle excess.
What if I need a plan that covers multiple trips?
For travellers who plan to stay on the go for a year or more, multi-trip insurance is a hassle-free option. You’ll pay the premium on an annual policy and get coverage for a per-trip duration. What’s more, in addition to the standard coverage, many annual policies give you the choice of adding on extra covers depending on your travel needs.
Can I get medical coverage while I’m away?
Absolutely. Purchase a policy that offers extensive medical coverage and assistance, and you could get access to 24-hour service, hospital fees, ambulance arrangements and even a local interpreter to help you with the language. Plus, some medical policies cover dental expenses, so you can rest easy if you find yourself grappling with a blinding toothache.
I need coverage for my sporting equipment. Is that an option?
There’s nothing worse than coming home with damaged ski or golf gear. Add a snow or golf cover to your policy, and you could be covered for everything from lost equipment to stolen ski passes. Some plans will even take care of green fees if you can’t use them due to an illness.
Good luck 🙂