So you’ve booked your flights and accommodation and what comes next? Your travel insurance. But doesn’t travel insurance always seem expensive on top of the price of your holiday you’ve just paid for!? Never fear there are ways to get the best cover without it costing a fortune.
It can be easy to take the travel insurance offered to you by travel agents or the airlines but do you realise you are often paying twice as much as you need to for the convenience?
This is why you need travel insurance.
How to find the cheapest travel insurance
There are heaps of ways you can save on your travel insurance and not compromise on cover.
Buy travel insurance direct
To get the best deal – buy direct. If you book it with an airline or travel agent they can often charge 50% commission on top. To get a cheap deal buy online directly with the insurers.
Like any type of insurance you should shop around and see what deal you can get. Prices will differ from insurer to insurer so you should compare the levels of cover, at the price you want to pay, and see the best deal you can get. The best way to compare policies is to use a comparison site like www.comparetravelinsurance.com.au which lets you compare 100’s of travel insurance quotes in seconds.
Consider how often you go on holiday
If you are going away more than twice in a year you should consider an annual multi-trip policy. You will already be saving yourself money by the time you take your second trip.
Where are you going?
Different insurers have different pricing levels for the same countries. For example some may list Japan under Asia, some may list it under Worldwide. Pick an insurer which classes your destination in a cheaper region.
Length of trip
Some insurer’s base their pricing on the destination you spend the most amount of time in, others the furthest away. If you’re travelling to lots of places and spending the least amount of time in the place furthest away you can save by finding an insurer that favours the time spent option.
Level of cover
There will be more than one cover level available for you to buy – basic, standard and comprehensive. You can save by working out what cover you need for your trip. E.g. unlimited medical cover is vital if visiting places such as the USA and many European countries, where medical care is expensive. For other destinations, a lower level of cover might be ok.
Don’t under insure
Don’t just pick the cheapest policy you find. The worst thing you could do would be to not have enough insurance and have to pay thousands of dollars as a result. If you go for a basic policy – make sure it covers the cost of medical treatment. Did you know a 1 night in hospital in the USA could cost you $21,000! Travel insurance can cost as little as $40 a week so really it’s a small price to pay compared to the thousands of dollars you could face in medical fees.
If you’re travelling in a group of friends or with your family a group policy might save you some $$.
Check if you can get a discount from the insurance company you have used before – it doesn’t just have to be travel insurance – it could be the insurer you use for your car or home insurance perhaps.
Increase your excess
To pay less on the insurance premiums you can choose to increase the excess payment should you need to make a claim.
Final tip on how to find the cheapest travel insurance… Remember to not just buy the cheapest policy you see! Pick the best travel insurance with a good level of cover at a price you can afford.
Why Reward Points are Important For Frequent Travellers
There’s no question about it, you can save a bundle of money if you manage your reward points for travelling in the right way. But many people just go on living their lives without really taking full advantage of this.
But without a doubt, reward programs are worth it for anybody who flies with even any little semblance of frequency and regularity. As a matter of fact, you may be thinking that you don’t really fly enough to take advantage of these programs, and the fact of the matter is that you could be missing out.
Get The Right Credit Card:
The best way to rack up those points quickly (before you even realize how far you’ve gotten) is to get a card with a great rewards program. For example, here are some options for people in Canada to get on the reward points quickly. Your mileage may vary (sic!) from country to country, but in any case it’s a good idea to read up on your best options and select one that works for you.
From that point onward, it’s important to be disciplined in using that card every time you can in order to rack up those points. Read the terms and conditions carefully and use them to your advantage, instead of having them surprise you!
Stick To The Right Airline:
This one is very hard for many people, because it requires discipline and that famous and all-important delayed gratification.
The first step involved analyzing the airlines that go to your needed destinations and making sure you are selecting the best one. Obviously, the points that you get with your card need to be good for travel on that airline.
Then, you need to ALWAYS take that airline, even in cases when fares rise, knowing that in the long run, you will still save money. The more you pay, the more miles you are getting anyway. It’s easy to get seduced by a seat sale on some other airline, but if you wind up with unused points expiring because of it, it’s not such a good deal in the long term.
Make Sure You Get The Miles:
Try to make it so that when you travel for business, you buy your own fares (even if you later get reimbursed for them, that way the travel points will all be in your own name. This may take some back and forth, but it’s usually doable, and also can make a big difference in your pocketbook down the road.
Also, sometimes it may actually be worth it to save your miles and buy upfront, making them even more effective in the long run. All in all, it takes discipline and strategy to get the best deals.
The Importance of Travel Insurance
The majority of people who travel don’t have any travel insurance whatsoever, and this is not a great state of affairs for these people. How many of them get caught out in a foreign country with no coverage whatsoever facing expensive medical bills for necessary treatment, or even worse, have that treatment denied?
What if I Have a Pre-existing Condition?
A lot of people think that they are ineligible for travel insurance if they have a pre-existing condition. The fact is, if you have a pre-existing medical condition you might still be able to get travel insurance coverage. In any case, full disclosure is very important, because if you withhold any important information at the time of setting up the policy, you may wind up with a denied claim at the worst possible time.
It’s Not What You Think In Other Countries:
Obviously, we don’t care much about the quality or availability of long-term care abroad for these purposes; it’s almost never necessary. However, emergency coverage can be extremely important in certain situations.
It’s also a huge error to think that other countries, just because they have “socialized medicine” (a very very poorly defined term), are going to treat anybody and everybody completely for free no matter what. Most countries these days only extend free medical coverage to citizens of that same country, and foreigners, including tourists, are on the hook for expenses.
Some jurisdictions may actually even simply deny treatment. Most countries have laws requiring hospitals to at least stabilize a patient before letting them go (with a heavy debt) regardless of ability to pay, but not all do! Also, some hospitals worldwide will go the other way and not discharge patients until the bill has been paid in full. These situations are precisely why travel insurance is so important.
Other Legal Issues:
There is another very valid point that surprises many people because they are simply unaware of it: often if you are travelling to another country as anything other than a tourist, say as a student or to work, even for a short time, you may actually be in violation of immigration policy by not carrying proper insurance.
For this reason it’s very important to check beforehand, because an impromptu deportation on top of a medical condition is the last thing you want to have happen on your trip.
Hopefully at this point you will understand what a great investment travel insurance really is, and not be one of those people caught in bad circumstances because they didn’t get their insurance right before getting on that plane!
4 Fun Apps for Travelers
Going on holiday is fun and exciting but there are parts of the process that aren’t so much – waiting at the airport, the flight, the transfer. These are the time when you and the kids can get a bit bored, a bit impatient and tempers can flare. That’s when the smartphone comes to the rescue with a range of fun, free apps to keep you busy during the lull times. Here are four to try on your next vacation.
We all know and love Tetris, but it did get a bit old (actually, it is a bit old now) so 1010 is a good successor. It is based on the same principles called tetrominoes that the designer of Tetris Alexey Pajitnov used and rather than varying dropping blocks, you have a canvas. Make a line across it and the blocks vanish. Sounds simple but the more blocks you get, the more complicated it gets, and it actually takes planning to win.
If in doubt, go with a classic and Bejeweled Blitz has become one of the classics of the mobile gaming world. Okay, it doesn’t have the excitement or potential big wins of mobile casinos and apps or the thrills of a top racing game with amazing graphics but if you want a game to keep you occupied during the flight and maybe even leave you ready to sleep for a bit, this is the one. But be warned, it is more addicting that you could believe – think Candy Crush with sparkles, lightning and cool music!
Perfect to play with the kids, this is a word game that features bears – instant hit. Create a word and spaces the letters used are replaced by bears. Letters change color as they have been around too long and can turn into rocks, blocking the spread of bears. The aim is obviously to turn all of the letters into bears and there are treasure events to spur players on.
Crashlands is a 2016 release that has quickly moved to be one of the best ever Android games. The plot is that you play as an intergalactic trucker who has crashed landed on an alien world and needs to build a base, collect items and also save the world. It has a great combination of character development, collecting and crafting things and there are no in-app purchases, so it is safe to leave the kids playing it.
Meet Cole and Adela
We have been wearing out our jandals (Kiwi for flip-flops) on our travel adventures around the world since 2009. We think our blog is thought provoking and a little witty. But we have been proven wrong before. Find out more about us here...
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