Cheap Travel Insurance for Tough Times

When money is tight it can be a real challenge to budget and stash away enough hard-earned cash for a needed holiday. Once there is enough in the pot to actually plan a holiday you are faced with the dilemmas of agreeing on a destination, deciding how to get the most for your money, and then choosing the best cheap travel insurance to protect your investment.

Solo world travellers and younger travellers can save a bundle of money by taking out cheap backpacker travel insurance. (Did you know that we consider ‘young’ to be those aged up to their mid-forties?) No matter what age you are, it is vital that you declare all pre-existing medical conditions. There is no point paying for insurance cover you don’t need, so carefully choose the correct policy for your needs from the different levels of backpacker cover. A cheap backpacker policy should always provide cover for all the essential things, such as medical care, repatriation, cancellation and curtailment (cutting short your trip), scheduled airline failure, travel delay, personal accident, liability and legal expenses. Even the most basic cheap backpacker policy should provide the minimum and important cover for medical expenses, personal liability and legal expenses.

The amount of backpacker insurance cover needed may depend on the intended destination(s); obviously a trip to Africa or Asia is likely to carry more risk than a quick city break or European destination. Travelling without any insurance is asking for trouble; you may be lucky but you may not. Consider the potential astronomical cost and worry to you and/or your family without travel insurance if disaster strikes and you fall ill while halfway across the world. Medical repatriation by air ambulance can cost in the range of tens of thousands. Who needs that!

Many families opt for the all-inclusive holiday, which can save money in all areas. It also takes a lot of the worry and work out of the organisation of the holiday for busy parents. The all-inclusive package at a good resort will normally include meals, drinks, activities, transfers and other extras. An all-inclusive beach resort will often tick all the boxes, providing plenty of activities to keep the kids happy and entertained, as well as spas and relaxation services for stressed-out parents. Many all-inclusive packages are geared towards families, offering babysitting services and entertainment for the children. This is great news for parents, giving them a chance for some alone time, or just some ‘me’ time.

Families seeking guaranteed sunshine for their summer breaks usually find an all-inclusive holiday and family travel insurance to be the cheapest option. Destinations such as Spain and the Balearic Islands, the Canary Islands, Egypt, Turkey and Florida are always popular. Opting for an all-inclusive package may even make more exotic long-haul destinations affordable for families; protected, of course, by cheap holiday insurance.

Some travellers still prefer the do-it-yourself holiday, which allows them to shop around for cheap hotels and flights. Others may prefer to pool their resources and share a large villa and pool with other couples or families. Another money-saving avenue to explore is a home exchange service.

No matter which you choose, whether a backpacker hostel, self-catering accommodation, all-inclusive resort, or top-rated luxury hotel, remember that it is equally important to protect your holiday investment with quality, cheap travel insurance.

Posted in Uncategorized | Comments Off

How To Find A Cheap Travel Insurance Company

These days, everybody is being more and more competitive. In the educational system, it is now not enough for somebody to get a bachelor’s degree. It is more likely that he or she must also obtain a second course or a master’s degree in order to ensure his or her bright future. This is the thing of the future. The more educated a person is, the more chances he gets when it comes to the job opportunities. It is also the same with companies. It more usual that a company that offers cheaper services gets the client. People are becoming more money conscious that they tend to search for the cheaper offers. Sometimes, doing this leads to overlooking of the disadvantages of the offer. To avoid this, many have tried to set the criteria for the best of the best cheap travel insurance company. Many associations of travel agencies have also taken the initiative to ensure that their members comply with safety requirements while not putting the prices at stake. These travel companies have started helping out each other in bringing out the best in them. They formulated strategies to make their services cheaper but with the same commitment to excellence.

Upon searching the World Wide Web, one may be confused as to the number of the travel companies all claiming that they offer the best cheap online travel insurance quote. Sometimes, their offers can be very interesting and appealing but an ardent eye to these is still a prerequisite before entering a deal with them.

Go Travel Insurance is one company that offers inexpensive travel insurance plans. The company is a division of the equally well known Drakefield Insurance Services Limited operated by the Financial Services Authority. They have been around for eight years now, having been in the industry since 2000. On an average day, they have more than 8,000 visits. They always take time to listen to the concerns of their valued customers and are always in the look out for improvement. Their insurance products are highly recommended by several satisfied clients. Customers can directly buy their insurance over the internet. They have insurances for single trip, annual multi trip, winter sports and even a golf travel insurance.

Aside from the website, they also have their call center where the agents are always standing by to answer the calls of clients for buying purposes or even for inquiries. Their prices are modest; so as to make sure they reach out to all the other travelers’ world wide. Numerous customers came back to them referring friends. This good company-customer relationship makes them click because they take extra care of their customers. They want every customer to be contented to his fullest.

Another cheap travel insurance company is the 247 Travel Insurance which is another good insurance choice. They are likewise committed to service to their clients. They have a number of insurers that are willing to cater to your needs.

Having a travel insurance company around is a solid proof that people are definitely tightening up their belts. They are now aware that they should be worthy of the value of their money. The catch now is getting to know a good cheap travel insurance company. There is one golden rule on this, which is to check the reputation. Reputation will always speak for the company.

Posted in Uncategorized | Comments Off

How To Find Cheap Travel Insurance That Suits Your Needs

If you travel around the world a lot, you should make sure you find cheap travel insurance policies. Since you travel a lot, you can get really low cost insurance plans by purchasing an annual insurance policy rather than trip by trip policies. The goal is to get plenty of coverage you might need without having to pay much for your insurance plan.

A good idea may be to watch out for overcharging travel agents. Many travel agents make up for low airfare commissions by trying to sell insurance coverage at exorbitant prices. But, there are also some travel agents that provides cheap travel insurance, particularly to their frequent customers who are interested in purchasing annual low cost insurance policies. You just need to make sure you know what you need your policy to cover. For example, even their cheap travel insurance policy should at least cover lost baggage, flight cancellations, and emergency medical expenses.

You should spend some time doing research about what you need and what is a fair price to pay for it. Then you will know if your travel agent is giving you a fair offer or if you need to buy somewhere else. The Web is an excellent place for research and comparison shopping. There are numerous websites that offers some low cost travel insurance comparison shopping options.

If you do go with an annual insurance plan, you will want to make sure you don’t start your coverage date until your next trip. Otherwise you will be paying for all of the time leading up to your next trip even though you aren’t traveling.

Don’t forget to read the fine print on your cheap travel insurance quote. While price is important, it isn’t as important as whether or not you’re getting the coverage you need. If you aren’t getting the coverage you need, you’re better off not paying for coverage at all. When you’re buying an annual plan it is particularly important to anticipate whether what you will need covered on all of your trips will be covered by the annual low cost insurance plan at which you’re looking.

Most often the cheapest couple of prices won’t be the plans that cover your needs. But you should still be able to find cheap travel medical insurance plans for traveling that covers your needs if you are diligent.

Posted in Uncategorized | Comments Off

How to Find Best Cheap Travel Insurance

Once you decide it is time for you to take the long awaited vacation you have earned, you should immediately start looking for the best cheap travel insurance available prior to taking the trip. Before you get involved in all the planning required, you should really get down with your travel agent and discuss the different insurance policies his company offers. Depending upon your budget, it is feasible to choose the best cheap insurance policy that suits your needs. Travel insurances involve coverage for:

Protection during the trip. All activities or events that might change the original plans such as cancellation of flight etc. come under this protection.

Medical: Being in a place so far from home can be a disaster if you fall sick. Having your travel insurance cover your medical bills during the vacation is very necessary.

In case of loss or delay: Owing to mix ups airline companies at times lose your travels bags which may contain all or most of your money. In such instances travel insurance steps up. Or if your flight gets delayed and you find yourself out of cash you can contact the insurance agency.

Buying the best cheap travel insurance requires some farsightedness. You should think about all the things that could go wrong with you and get the package that offers financial coverage for most if not all those instances. If you’re traveling with your entire family, there are more reasons for you to get insurance.

Since nobody knows what might happen it is always a good idea to be prepared for the worst. Having the best cheap travel insurance along on your journey lets you enjoy your vacation peacefully without worrying about your finances.

Things to keep in mind when choosing a travel insurance company:

A traveling agent is not the only one who provides the insurance. Some very good deals are offered by companies catering only to the needs of travelers.

A cheap deal may not always be the best. While it may save your money upfront, it might cost you more in the long run. Some cheap deals do not offer coverage for important things like loss of baggage or medical health during vacation.

Many good insurance agencies are available online offering some really good bargains.

You also need to be frank with the insurance agents about things they will not cover since that could put you in a very difficult position later on.

The entire point of taking a vacation is to relax and enjoy. Having a travel insurance ensure you do just that without worrying about anything at all.

Posted in Uncategorized | Comments Off

Getting Cheap Travel Insurance Fast

If you’re someone who likes to travel and enjoy the thrill of something new and different then you should realize that these day’s it’s a wise thing to consider getting travel insurance. Even better get cheap travel insurance.

Just because an insurance policy isn’t expensive doesn’t mean that you’re getting a bad policy. There are good cheap travel insurance policies out there and you can easily find them if you know where to look.

Getting a cheap travel insurance policy before flying to some other country helps the adventure to be more enjoyable. It allows you a lot of peace of mind knowing when Murphy’s Law strikes you’re covered. It’s foolish to think nothing can go wrong.

That sort of thinking is alright if your a teenager but not for adults. Something as simple as twisting your ankle getting off the tour bus can turn into a financial disaster.

Medical treatment abroad and hospital costs can be very expensive. And God forbid something serious happens. A medical evacuation can easily cost over $50,000. Many times ordinary medical insurance won’t cover the problem. Getting travel insurance as an extra security blanket is well worth the investment.

Obtaining a cheap travel insurance policy that’s worthy is easy these day’s by shopping around online. All you have to do is literally type in, “cheap travel insurance”, on your computers browser and hundreds if not thousands of insurance brokers will be made available.

Don’t just use Google. Be sure to check a few search engines like Yahoo, Lycos, MSN, or ASK. Also don’t be afraid to investigate insurance company’s that aren’t necessarily cheap. See what there offering and charging as a ruler by which to measure the cheap travel insurance company’s policy coverage.

Most cheap travel insurance policies will have a specified period of time the coverage will apply too. If not too much more in the expense it would be prudent to have the policy cover a few days more than planned. Just because your flight gets cancelled is no reason to worry if you’ve allowed some flexibility by extending the time length of the policy chosen.

During your online search you’ll discover sites that specialize in comparison shopping. Most times one needs to provide only pertinent personal information. After providing your personal information, you will be able to receive quotes from different insurance providers. This is by far the quickest and easiest way to compare and choose cheap travel insurance.

Travel insurance is costly these day’s because of the turbulent conditions which exist abroad in many countries. However, a cheap travel insurance policy can still be found on the internet simply because there isn’t an agent with his finger in the commission jar needed to put it together. A lot of times one can save as much as 20%. So you see, that’s already cheaper travel insurance.

An important thing to always take into consideration is the premium and the deductible. As most know the less the premium the higher the deductible. When putting your finances together for that vacation trip of a lifetime make sure the cheap travel insurance deductibles won’t be too high. If the deductible is too high it might make the insurance policy not even worth getting.

It can be a real balancing act when trying to determine which insurance policy is best. Even so modern technology has opened the door for opportunity’s never before available. With a little due diligence the right cheap insurance policy can be acquired that’ll remove any fabricated excuse stopping you from enjoying to travel.

Posted in Uncategorized | Comments Off