Insurance Tips
Smart insurance tips for travellers to ensure a safe and worry free trip abroad.
1: Buy Insurance Early
It is best to purchase travel insurance as soon as you book your trip to maximise coverage. For example for trip cancellations due to unforeseen events.
2: Check medical coverage
Ensure your policy covers things such as emergency medical expenses, hospitalisation and medical evacuation as some countries require this.
Look for high coverage limits.
3. Verify COVID-19 & Pandemic Coverage
Some insurers still exclude pandemic-related cancellations so it is best to check the fine print.
Companies like ... offer COVID-19 coverage.
4. Understand Trip Cancellation/Interruption Policies
This covers non-refundable bookings if you cancel for covered reasons such as illness, natural disasters, etc.
... offer strong cancellation protection.
5. Check for Adventure Sports Coverage
Standard policies often exclude activities like scuba diving, skiing, or hiking—get a specialised plan if needed.
... covers many adventure activities.
6. Know Your Credit Card’s Insurance Benefits
Premium cards (e.g., Chase Sapphire, Amex Platinum) may offer free travel insurance—but check limits.
7. Keep Copies of Your Policy & Emergency Contacts
Save a digital and printed copy of your insurance details, including the 24/7 emergency assistance number.
8. Declare Pre-Existing Conditions (If Needed)
Some insurers cover pre-existing conditions if you buy soon after booking... offer waivers.
9. Consider Annual Multi-Trip Insurance for Frequent Travelers
These are cheaper than single-trip plans if you travel often. Check ...Insurance.
10. Read Reviews & Compare Prices
Use comparison sites like ... to find the best deal.
Final Tip:
Always read the policy wording before buying to avoid surprises. Safe travels!