Travel insurance is designed to help you with a wide variety of services, from getting luggage replaced when lost all the way up to getting you back on a plane that’s been cancelled. It’s all about you and making your travel experience as smooth as possible. Yet if you’re trying to get your travel insurance claimed, you’re going to have to make sure that you handle a few things on your end as well.
First and foremost, you want to make sure that you’re keeping track of all of your receipts. There’s no reason in the world why you shouldn’t hold on to just about everything related to the trip.
Your travel insurance policy is very literal — you have to make sure that you’ve accounted for that. What does your policy cover and what doesn’t it cover?
For example, you might have your claim denied if it’s based on a pre-existing medical condition. This is definitely not a good thing to find out when you need it most. Reading over your travel insurance guide ahead of time can save you from that, but it’s still going to be tricky to tie everything together. You just have to make sure that you’re thinking ahead of just about everything that could slow you down in any way.
There are also exclusions that can keep you out of getting a claim — like not having a police report. If you’re going somewhere that has a not so friendly police force, you might need to keep this in mind as well. There are budget cover policies that have low limits of cover that aren’t clear to you until you need it — causing you a lot of headache.
This is the same with excesses — you have to make sure that you know what you’re paying at all times. A policy with a good premium but a high excess really doesn’t do you any good unless you have a tight savings plan.
It all boils down to the same point — knowing what type of policy you have. With great planning comes great results. Don’t wait till the last minute to try to get travel insurance. Use the Internet to get quotes from multiple travel insurance carriers and read the fine print on each one before you commit to any of them. This will keep you on the right track for good. Good luck!