Your decision to get travel insurance before going on a trip is definitely a good and right move. But you have to remember, before choosing a travel insurance to buy, you also have to make sure it matches your needs.
Actually, buying travel insurance is not that difficult. You can just get it online on any insurance platform available. But what becomes a little difficult is to ensure that you get only the best plan.
So, in this article, let us share to you the things you need to ask and identify first before choosing travel insurance for yourself.
“What is covered in my existing insurance policy or credit card?”
Do you already have personal insurance or travel credit card? If yes, please check if it has offered any protection for travel insurance. Some personal insurance policies may offer protection for travel, such as hospital admission or medical treatment expenses. You can contact your insurance company or directly ask your personal insurance agent to get the certainty.
Meanwhile, some credit cards also offer insurance protection when you purchase flight tickets using the credit card. For example, there are credit cards that provide protection up to a certain amount, including baggage loss, missed flights, hospital admission allowances abroad, and others. So, please check first so that you will not lose out.
“What kind of protection do I need?”
Before starting your vacation, make sure you have the most detailed plan. This is to ensure that your vacation is enjoyable and safe throughout the trip. Determine if there are any extreme activities that you want to do during your vacation. If there are, then you may need additional protection for those activities. Typically, basic insurance policies do not offer protection for extreme activities undertaken by policyholders.
In addition, also determine where you want to go and stay. If it is in an area with a high crime rate, you may need additional protection in terms of personal property theft, important documents, and others. First, ask your insurance company’s agent or customer service about the additional protection provided.
“Travelling alone or with a partner? Or Family?”
When purchasing travel insurance, you can choose whether to buy individual or group travel insurance. If you are travelling solo, you can opt for individual travel insurance, which is cheaper.
On the other hand, if you plan to go on vacation with your partner or family members, it is best to choose group travel insurance because the coverage can be shared and offers a more cost-effective and lower premium compared to buying “one insurance policy per person.”
“Is this my last vacation for the year?”
If you are planning to travel abroad again in the near future, it is advisable to get an annual travel insurance policy. This annual travel insurance will cover multiple trips for a year from the start date of the policy. This plan covers any travel throughout the year, whether it is for business or personal purposes, up to a certain maximum period for each trip.
However, if you rarely take vacations, and this may be your first and last vacation for the year, you can just choose a single trip travel insurance policy. The policy will cover you for one trip only, and the coverage period will end as soon as you return home.
It is also cheaper than annual travel insurance. You only pay for the number of days you are on vacation.
However, the cost can increase if you go on vacation several times in a year and take this type of policy for each one. A single trip insurance policy will be more expensive than an annual policy.
We hope that this information will be useful and help you choosing travel insurance more easily, smoothly, and effectively!
Visit Bjak now at https://bjak.my/travel to get exclusive discounts and attractive prices and benefits to secure your next travelling experience without any hassle!
Bjak is the largest insurance comparison platform in Malaysia and has been trusted by over 3 million users. Get a free quote at Bjak today and buy your insurance according to your needs and budget.
Also read:
