You don’t have to spend thousands on a travel insurance policy to enjoy peace of mind while on holiday. We have discovered a few clever tips and tricks to purchase the perfect policy at an affordable price.

The most obvious way to save money on travel insurance is by shopping around and doing a thorough travel insurance comparison. Get quotes from as many travel insurance agencies as you can and do a comparison based on cost, level of cover and benefits that are relevant to you. Once you have a thorough understanding of the costs of your desire policy, negotiate! Most agencies work on a commission basis, and may be able to reduce the price in order to secure the sale.

Bundling your policies can also be an effective way of saving money. This can be done two ways, through bundling all your insurance policies together, such as life, travel and home insurance, as well as through joining together travel insurance policies for family members or friends who are travelling with you. Joint policies are better value for money, as many travel insurance agencies will jointly insure two unrelated people travelling together.

The key to saving money over the long term is to never under-insure. Although some budget travel insurance policies maybe more affordable, they are likely to have much higher excess fees and can cost you more money in the long term if you ever need to make a large claim.

The final tip to save money on your travel insurance policy is to use your credit card. Many card holders are entitles to a certain level of accident and emergency cover if they pay for their trip with their credit card. This may not be sufficient cover for all travellers, so check with your card provider before departing on your adventure.

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The travel company, HBF just wrote a great article on tips to make your travel insurance claim easier, with some very useful information if you ever find yourself in need of making a claim. I thought they made good points with the following:

1. First, you need to be honest and upfront when you take out your policy. Some pre existing conditions can be covered by your insurance company, so check. You don’t want your policy cancelled because you didn’t mention something!
2. Make sure you read your policy. It’s a bit dry, I know, but there’s a lot of important information in there which will come in handy if you have to make a claim.
3. Keep everything! What’s to stop someone from faking an insurance claim? Insurance companies require evidence. Keep original receipts and documents related to your claim. The worst case scenario, you get home safely and make a scrap book of all your sundry expenses.
4. If you have to make a claim, be as detailed as possible. If you answer everything with enough detail, the insurance company might not have to follow up – making the payment come much faster.
5. This is probably the most annoying advice, but you have to be patient. A lot of companies have standards they have to meet, so as long as you claim is being processed within the time they specify (HBF specifies 10 days, but your insurance company might be different), try to wait.

Obviously you never want to find yourself in a situation where you need to make a travel insurance claim, but if you follow these steps your life will be much easier. I also found an article about the five most common travel insurance claims, so hopefully you can try to avoid them.

Medical claims are probably the most annoying to have to deal with. No one wants to get sick while they are on vacation. So the best thing to do is find out as much as you can about the destination before you go. Is it safe to drink the water? Any food you should avoid? Going to your destination with a little bit of research can save you a lot of grief in the long-run.

Lost, damaged, and stolen luggage is another common claim, and there are a few things you can do to help avoid it from happening to you. Some things are pretty much common sense, but you would be surprised how many people forget to put tags on their bags! Make sure you remove old destination stickers, check in your bags early, avoid flights with tight connections, and head straight to the luggage area as soon as you land. And remember, as those announcements echo around the airport “do not leave your bags unattended”.

Lost or Stolen Credit cards and money are a huge problem for travellers, but the only thing you can really do here is use common sense. Keep a photocopy of you credit cards and ID in your bags, but other than that you just need to be careful.

Finally, cancelled flights are travel delays are something that is out of your control but a huge inconvenience. Always check with the airline a few days before and the day of your flight to make sure everything is going forward. Try to fly earlier in the day, midweek, and get to the airport early.

Hopefully you are never in a position where you have to make a claim on your travel insurance, but a little common sense and thinking ahead can save you time and money in the long term!

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If you are going away, you need to get travel insurance. Travel insurance is offered by a lot of companies and your credit card company might even cover you for a lot of things. However, if they don’t, go buy travel insurance. Travel insurance will protect you if you get sick, injured, lose your stuff, get your stuff stolen, or have a tour canceled on you. In short, it covers you for everything.

You never know what might happen while you are traveling and chances are nothing will. You’ll probably be fine but you never know. Travel insurance is only a few dollars per month. It doesn’t cost a lot of money and will cover you for everything. I’ll pay 20 dollars to make sure if my laptop breaks I can get the money to buy a new one.

When you are buying travel insurance, make sure you consider a few things: 1. it covers health care 2. it covers all the countries you are going too 3. it protects against trip cancellation 4. it protects against lost or stolen items

You pay not get travel insurance for a short trip to Paris but if you are traveling long term, it is worth getting. The longer you travel, the more things will go wrong. Travel insurance can be there to protect you. Moreover, if you are doing an active holiday, you run a higher risk of accidents. Get travel insurance. Be smart. It’s only a few dollars.

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