Buyers' Guide To Single Trip Insurance
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Getting single trip insurance is a task that requires serious consideration. While it is easy enough to go online and browse through the many available services, you will need time to really find the insurance policy that is right for you. Needless to say, the right policy will depend on each person's needs, so the first thing you must do is identify your priority concerns for your trip or holiday. As a starting guide, take note of the following details when you do start browsing for policies.

Compare Policies

Naturally, the first step to narrowing down your choices is to browse different single trip insurance policies and compare the rates and benefits. However, it is important to note here that choosing the cheapest policy may not always be the right choice to make. When you are planning your trip, keep in mind the specific concerns that you may have while abroad; activities you will do and places you will visit will largely determine the safety and health concerns you may have, and knowing these ahead of time will allow you to identify the benefits you absolutely need in your insurance policy. In the end, it may not be the cheapest one on the market, but it will be exactly you what you need.

Look for Hidden Charges

Next up, after you have narrowed down your choices of single trip insurance policies, you should carefully read all the terms and details. This is when you must ensure you understand every single word in the policy, including if there is anything that indicates you will have to pay for additional services that you may have thought were inclusive. Pay extra attention to the medical benefits and flight cancellation policies. Read the exact conditions you need to follow in order to make a successful claim, and make sure that there isn't any fine print you don’t understand. For instance, a flight cancellation policy might require a specific number of days before your flight that you could cancel, and cancelling three days before your flight may not be covered therefore negating any refund.

Know and Understand the Claim Process

Many people still choose not to get a single trip insurance policy, especially if they are going on a low-key trip to a nearby country for only a few days. That is certainly not wise, but for those going on a more adventurous vacation, statistically there is an even greater safety risk. A word to the wise is to get insured, but you also need to know exactly how to make a claim, should you need to. Details like whether you need to claim within a specific period of time, how to make a claim, and if you have support in a foreign country should all be clear in your head before you set off on your holiday.

Patrick Chong is the Managing Director of InsureMore. We provide low cost travel insurance and offer a range of policies including single trip insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.


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