One of the wisest pre-trip investments is trip insurance, especially if you are planning a very costly vacation. Depending on the particular policy you purchase, it could cover any money that is paid upfront or even the entire cost of the journey in case you get sick and cannot go.
Get trip insurance to cover everything unexpected
The right policy covers the cost of payments that you cannot get back from your tour operator. What if you are in the islands and suddenly the airline cancels your booked flight because of an unexpected hurricane warning? The right insurance policy will pay for the extra night’s lodging at an expensive hotel.
Questions to think over when choosing your policy
1. In case the company you are booking your tickets with offers trip insurance, we recommend you not purchase it until you compare exactly what is included with other insurance policies.
2. Keep in mind one general rule – the more coverage you would like to have, the more your policy will cost. Sometimes being covered for plenty of different risks is unreasonable and essentially it is just a waste of money. But for some situations it is better to get some more coverage. For example, in case you are going on an adventure trip, make sure your health is protected properly.
3. Consider the amount of money for medical evacuation you will need if you, for instance, have a bad fall while biking in France and break your leg.
4. If you usually travel a lot, you should consider getting special multi-trip insurance or a comprehensive travel insurance policy which will cover several trips
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