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Cheap Travel Insurance
Learn more about cheap travel coverage for your trip without breaking the bank.
What is Cheap Travel Insurance?
Cheap travel insurance is a type of insurance coverage that offers insurance policies at a lower price compared to more comprehensive plans. This policy is designed to protect travellers from financial loss and provide assistance for various situations that may arise before or during the trip. It offers coverage for a range of potential risks associated with travel including medical emergencies, cancellations like hotel bookings or interruptions, lost or delayed baggage and other unforeseen events.
Selecting the most suitable travel insurance for your needs depends on various factors such as your destination and planned activities. For instance, travelling to the UK necessitates worldwide coverage, while engaging in skiing activities mandates the addition of winter sports cover to your insurance policy. Understanding the benefit of cheap travel insurance can help you make informed decisions for your next adventure
What Does Cheap Travel Insurance Cover?
- Lost Baggage: If at any point during your trip, you lost your belongings, or were stolen or damaged, your travel insurance and loss of baggage cover allows you to reclaim their full or partial value.
- Cancellation: If you decide to change your mind about your trip, and need to cancel all your travel plans at the last minute due to some circumstances like injury, death, or illness, your travel insurance covers your cancellation.
- Medical Expenses: Your travel insurance covers when you get ill or injured while on your trip.
- Emergency Repatriation: If you or anyone you travelled with falls sick or seriously injured while away on your trip, your travel insurance emergency repatriation will cover the cost of bringing you home from wherever you travelled to.
- Travel disruption: In cases where there is an occurrence of adverse weather or transportation that affects your last-minute flight or ferry, you can make claims for trip delays.
What travel insurance does not cover
- Missed Flights: If you missed your flight for one reason or another, you won’t be covered. In cases where you overslept or didn’t meet up with the security check.
- Natural Disaster: If you willingly book a holiday after a natural disaster occurrence has been announced, your travel policy will not provide coverage.
- Airline Strike: If your flight ends up being cancelled or delayed due to strike then you may not be entitled to coverage with your policy. However, you could receive compensation from the airline and may likely be able to claim certain expenses like accommodation or car hire through your travel policy.
- Deliberate Indecision: If you decide to change your mind about your trip without a tangible reason, then you won’t in any way be compensated just because you decide to change your mind about your trip. However, if your change of mind stems as a result of sickness or death, holiday cancellation insurance will help with that.
You may be required to get a specialist policy for individuals with Pre-Existing Medical conditions as not all providers make provision for this condition in a typical policy.
When should I buy a travel cover?
It’s important to buy your insurance as soon as you book your trip no matter the type of trip you are planning whether a long trip or short trip, having travel insurance covers you against certain risks while on the trip. With travel insurance, you have adequate protection against unexpected circumstances. While travel insurance is your trip cover, keep in mind that there are other circumstances that it could cater to ahead of your trip. This could include, cancellation due to instances like injury, death, sickness or supplier failure.
How much does travel coverage cost?
The cost of travel insurance varies depending on certain factors your insurer considers when calculating your premium.
- Your age: The older you are, the more the premium you are charged. Older people are believed to be vulnerable to health risks.
- Pre-existing Medical Conditions: Individuals with pre-existing conditions may have to pay higher premiums or specialised cover.
- The duration of your trip: The longer you stay on the trip the higher your premium. A short trip is equivalent to smaller premiums.
- The destination of your trip: The cost of your travel insurance can vary based on factors like medical bills in the particular country and the risk associated with travelling to the country.
- The type of limit you choose: Choosing higher levels of coverage usually costs more for payment.
Factors such as age, pre-existing medical conditions, and trip duration influence the affordability of cheap travel insurance.
Tips for finding cheap travel insurance
Here are what to consider to get cheap travel insurance
- Compare and Shop Around: You can get a cheap policy by comparing different policies and prices. Check out the features each of them offers and what is important to you in your insurance. Consider the standard policy coverage and what you need to include as extras.
- Pay for what you need: After concluding on the standard policy coverage and extras, be sure only to pay and include what you need for your trip. For illustration, you do not need coverage for gadgets if you are not taking an expensive one.
- Choose the right policy type: If you plan on a single vacation, then a single-trip policy might be cost-effective for you. If you will be travelling frequently, then opting for an annual multi-trip policy could provide more value. When travelling with your family or a group of friends or in group, then the best policy to opt for might be family travel insurance or group insurance as they tend to save cost.
Travel insurance tailored to your needs
Picking the best holiday insurance depends on the type of insurance you want. The type types of insurance include:
- Annual Multi-Trip: This type of insurance is more beneficial if you are taking or intend to take a multi-trip in a year. Also, opting for multi-trip insurance is the most cost-saving means of getting travel insurance.
- Cruise-Travel Insurance: This type of insurance mostly deals with trips that involve cruise travels or sea trips. This insurance covers if your ship misses the port because of bad weather or you are seasick.
- Backpacker Insurance: This insurance is mostly for long-period trips. It covers individuals in multiple trip countries in one trip.
- Single Trip: Opting for a single trip could be the most cost-effective means of getting all your travel insurance necessities for a short trip to ensure you are covered against certain risks.
- Business Travel Insurance: Get insurance that caters to all your needs as a business traveller. This could give cover to important assets like your laptop and other additional business-related travel expenses.
- Winter Sport Cover: This type of insurance covers trips like skiing, snowboarding and other winter activities. Also, this insurance covers your winter sports equipment.
How do I choose the right insurance?
In choosing the best travel insurance, there are certain factors to consider:
- Check Policy Type: To choose the best travel insurance, you should first consider your travelling schedule or the frequency of your trips. If you travel more than twice a year, then you could consider annual multi-trip insurance as it can be a cost-effective means to opt for and would save you time and money from buying new insurance every time you intend to travel.
- Consider Optional extras: Optional extras could include gadget insurance which enhances your coverage. But remember to check if they are already covered abroad through other policies.
- Compare and Shop Around: Comparing quotes from various brands at the same time makes it easier to determine if the features and prices they offer all meet your needs.
- Increase your Excess: Opting for a higher excess can lead to lower premium costs. However, if you have to make a claim, you will have to make more payments.
Do I need travel insurance?
No, you do not. It’s not a necessity. However, it could be the cushion you need for your trip. Having travel insurance guarantees your holiday peace of mind especially if you are travelling abroad. Travel insurance puts your worries at rest no matter the situation that may arise; loss of baggage, trip cancellation, flight delay without accruing extra cost if you have travel insurance. This is also the same case for if you ever fall ill or get injured during your trip your insurance will cover for it, if you have one.
Details I need to get travel insurance?
To get a suitable cover tailored to your trip, you will need to provide information like;
Personal Details
- Full names of all travellers
- Date of Birth of all travellers
- Contact information including address, phone number and email
Travel Details
- Destination of your trip
- A single trip or multiple trip
- Purpose of the trip–vacation or business
- Mode of transportation
- Trip Duration
The Type of Coverage
- Coverage limit
- Type of coverage (single or annual trip)
Any Medical Conditions
- Information about any pre-existing medical conditions
- Existing treatments or medications
Holiday Arrangement(what do you plan to do on your trip)
- Details of pre-booked accommodation, tours or activities
- Copies of travel documents. This includes flight tickets, reservations and many more.
Cheap travel insurance upgrade options
You can tailor your insurance needs to cater to your travel needs. Depending on what you intend to do while you are on your trip.
- Travel gadget Insurance Coverage: Including gadget insurance in your policy ensures that devices like phones, laptops and gaming devices are protected against, damages, loss, and theft during your trip. Also, remember to check what it covers before opting for it.
- Terrorism Cover: This upgrade offers cover if at any point of your trip, you have to cut it short due to a terrorist attack or act ongoing at a close distance or where you intend to travel.
- Extreme Sport Cover: If your trips involve you taking part in extreme sports like paragliding, ballooning, skiing or taking part in watersports. You may want to opt for additional policy cover.
- Excess Waiver Cover: You can opt to pay a higher premium on your policy to get rid of your insurance excess, which allows your insurer to cover 100% of any claim you make.
- Natural disaster policy cover: This policy covers if your trip gets affected by any natural disaster attacks like earthquakes, volcanic ash, or floods.
- Passport Cover: If at any point you lose your passport, or it gets stolen, adding passport insurance to your policy can help solve the situation easily.
Travel coverage tailored to individuals
Travel insurance comes in different types and different categories. Apart from the travel insurance policy that can be tailored to your trip type, you can also have travel insurance that can be tailored to the individual or group going on the trip.
- Under 18 travel cover: You can get this policy for your child if they are travelling alone. However, while getting this policy, you need to consider what they will be doing while on the trip and also inform the insurer where they are going and who they will stay with.
- Single-person insurance: This policy covers only you for the duration of the trip you are going on.
- Over 70’s Travel Insurance: This policy can be a great protection for seniors or your ageing parents. You can tailor the policy to suit their health conditions or medical needs. If you are above age 70, consider travel insurance that specifically addresses the risks relevant to your age group.
- Couples Travel Insurance: Couples insurance covers you and your spouse without needing to take out a separate policy. This policy can save costs if you intend to travel with your spouse.
- Family Travel Insurance: Taking out family cover can be the most assured means of getting the whole family protected while on a trip. This insurance also saves you time and the cost of insuring the whole family one by one.
- Group Travel Insurance: For a group cover, you have the flexibility to choose whoever you wish to include in the group policy, whether they are family members, friends or fellow travellers. This policy can include as many as ten individuals in a policy.
How to claim Travel insurance
Claiming your travel insurance involves certain steps. Follow these steps to make a claim.
- Report the incident promptly: In the event of an unforeseen situation covered by your insurance policy during your trip, promptly inform your insurer. Most policies stipulate a timeframe within which claims must be made. Therefore, carefully review your policy documents to ascertain the deadline and covered situations.
- Gather the Necessary Documents: To initiate a claim, provide your insurer with all pertinent information related to the reason for your claim. Ensure clarity in the information provided. For medical emergencies, include medical receipts for expenses; for loss of luggage or stolen items, include a police report and proof of travel expenses; for flight delays or cancellations, provide travel details, reasons for cancellation, and any other documents requested by your insurer.
- Submit your Claim: Begin the claim process with your insurer. You may be required to fill out a claim form, either electronically or through mail. Attach all supporting documents necessary to facilitate the claim process at the time of submission.
- Follow Up on Your Claim: After submitting your claim, allow your insurer sufficient time to process it, but maintain communication to monitor its progress. Be prepared to provide any additional documents requested by your insurer while staying in touch.
- Receive your Claim Payment: Upon completion of the claim process, if successful, your insurer will notify you of the compensation amount and initiate payment. However, remember that the duration of claim processing varies depending on your insurer and the nature of your claim.
In conclusion, investing in cheap travel insurance provides peace of mind and financial protection without breaking the bank.