Tips for Buying Travel Insurance Online

About to buy travel insurance online? The below are some general tips to help you select the most appropriate cover for your trip.

Read the product disclosure statement
It sounds obvious, but before you buy online travel insurance make sure you read the product disclosure statement and/or policy wording. Most are only 10 to 20 pages long and can be accessed online, and by reading the product disclosure statement you will be able to find out whether the travel insurance policy really is the best policy for your needs. In particular pay attention to the limits and exclusions – most people are all too familiar with the way insurance companies will look for ways to disallow claims.

Is emergency assistance included?
Emergency assistance and repatriation cover are essential when travelling overseas and will give you the peace of mind to fully enjoy your travels, especially in countries you have not visited before or foreign language countries. It is thus worth checking that they are included benefits in your travel insurance policy. Emergency assistance phone numbers are typically provided when travel insurance is purchased. These phone numbers should be written down in a safe place before you depart – a good suggestion is to store them with your passport so that you will always be able to access them quickly.

Keep two copies of your policy
It is advisable to make two copies of your travel insurance policy – one to take with you on your trip and the other to leave a home with a friend or relative. Many people also choose to scan their travel insurance policy and store it online with a copy of the policy wording so that they may access it from anywhere.