Long gone are the days when a one-size-fits-all style travel policy was all you could purchase. When buying cheap travel insurance there are so many options now that, with a bit of looking around and armed with a few tips, you will be able to get great value more in tune with your travel plans.

For Families

Buy travel insurance that includes dependant children, usually under the age of 18, at no additional cost on your policy. This major saving can also include children travelling with a grandparent.

Many companies also offer great discounts on group travel which can include large family groups or special interest, sporting, church, school or business related groups.

For Backpackers

Two key backpacking components are flexibility and economy, so backpackers are always on the look out for cheap travel cover.

You may have to forgo a few aspects such as travel delay or alternative travel, but given your often flexible itinerary that is often not an issue. Do, however, look for cover that has really strong medical/hospital insurance and that can be extended easily if you decide you want to keep on travelling.

For Frequent Travellers

This can include individuals or families who love to get away to the snow, the beach or wherever several times in a season, or business travellers who need to travel several times throughout the year.

Purchasing annual multi-trip travellers cover can save you around 40% if you insure with the right insurance company.

Advice for All Travellers

• Get travel insurance from the insurer direct rather through the travel agent as the cost is significantly cheaper.
• Read policy documents carefully, especially addressing points such as activities the policy does not cover – this can include many adventure or extreme sports – and points such as leaving your possessions unattended. You may think locking your laptop in the hire car overnight is ‘securing’ it, but the insurance company is bound to think differently.
• Purchase your business or holiday insurance online. There are specialist online travel insurers who offer substantial discounts but still deliver high quality with no sales pressure.
• Look for reliability, backing and reputation to ensure you get secure protection. It’s important to establish which company is underwriting the policy and the company supplying the emergency medical evacuation and assistance.

Buying cheap travel insurance is really not so difficult – but to purchase travel insurance that is economical as well as affording you the level of protection you need requires a little preparation and effort.

Tags: Travel Insurance Online

This entry was posted on Monday, May 31st, 2010 at 7:47 am and is filed under Travel Insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.