Everyone loves to travel the world but when it comes to traveling abroad, we often focus only on visas, tickets and hotels. we overlook important aspects like travel insurance especially for those travelling on budget. If you too want to travel more safely on budget then this is the right blog post for you…Read More
Todays we will talk about:
- What is travel insurance?
- Why it is important?
- How to get cheap insurance?
- What to consider?
- And finally, Cheap and reliable insurance options from USA
What is Travel Insurance?
It is a financial protection that helps protect you from possible loss, illness, accident or travel disruptions while traveling. This insurance policy can help you in the following situations:
- Emergency Medical Expenses
- Flight Cancellation or Delay
- Lost or Stolen Luggage
- Lost of Documents
- Personal Accidents or Emergency Return
Why is Travel Insurance Important?
Most people think that budget travelers can’t afford insurance expenses. But the truth is:
“It is not an expense but an investment.“
This few hundred dollars can save your millions. Imagine, if you get sick in a foreign country and their hospital asks you for $5,000 – in this situation, your entire budget can be destroyed if you don’t have it….Read More
How to Get Cheap Insurance ?
Now the question is, how to get it on a budget? Below are some of the best tips:
1. Compare different companies
There are many online platforms available where you can compare policies from different insurance companies. Such as:
- Squaremouth
- InsureMyTrip
- Travelinsurance.com
2. Avoid unnecessary features
Most companies increase the price by offering additional features. You should buy only those features that are really necessary.
- Medical Coverage
- Flight Cancellation
- Safety of Luggage
Skip the rest of the extra features (like sports cover, expensive items insurance) if you don’t need them.
3. Consider an annual plan (if you are a frequent traveler)
If you travel several times a year then it will be cheaper to take out an annual insurance plan instead of buying a new policy over and over again.
What to Consider and When to Buy it?
1. Check the Coverage Limit
Every policy has a limit. For example, some medical policies only cover expenses up to $10,000. If you are going to travel to an expensive country (such as Canada, Japan and UK) then try to get a high limit policy.
2. Pre-Existing Conditions
Not every company covers it, if you have a pre-existing condition. If you have a chronic condition, look for a policy that offers this coverage.
3. The Claim Process Should be Easy
Choose such a company that has an easy online claim policy or through an app. Otherwise, making a claim will become a hassle during your trip.
4. Check Reviews and Ratings
Always check the company’s reviews on Google or TrustPilot so you can have an idea of what kind of service they are actually providing. Read more to Click Here
Travel Insurance Options in US
If you are traveling from US so the following insurance companies provides cheap and reliable plans:
- Seven Corners
- Travelex
- Travel Insured International
- HTH Travel
- Travel Guard
- WorldTrips
- Trawick International
Conclusion: How to choose It Smartly ?
| Features | What is Important? |
| Medical Coverage | Yes |
| Luggage Safety | Yes |
| Flight Late/Cancelation | Yes (If International Travel) |
| Extra Coverage (Sports & Jewellery) | No (If It’s Important) |
Final Words:
It is the hallmark of a smart traveler. If you really want to travel the world on a budget, a few thousands dollars worth of insurance can save millions. Remember:
“Travel is only fun when you are carefree.”
What is Your Opinion?
Have you ever taken out it? Which company did you like best?
Be sure to tell us in the comments!
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