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Tips on How to find the cheapest travel insurance

Tips on How to find the cheapest travel insurance.

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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?

Hospital Broken Collarbone Marmot Basin Ski Area

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.

Compare

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.

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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.

Adela Snowboarding Broken Collarbone

Group policies

If you’re travelling in a group of friends or with your family a group policy might save you some $$.

Discounts

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.

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12 Comments

12 Comments

  1. Jeff

    November 25, 2013 at 6:13 PM

    I will definitely consider them, they are great tips. Thanks Four Jandals for these great articles.

  2. Kristy

    November 26, 2013 at 9:32 AM

    Nice article! I would likely do the tips you’ve mention here on finding the cheapest but reliable travel insurance for me.

  3. Arti

    November 28, 2013 at 9:28 AM

    Makes sense to buy it directly from the insurers. I will do it from the next time. A very helpful post, I got it done from the travel agent till now. Will explore other options from now on 🙂

  4. Naia

    December 12, 2013 at 2:40 PM

    Excellent as well helpful article.I was trying to search for a cheap travel insurance and now it’s easy for me.Thanks a lot for sharing such a well-covered info.Keep it up!!

  5. sanchezmark

    January 13, 2014 at 1:26 PM

    One thing not mentioned here is those policies that allow you to select which elements you ensure rather than a bundle. I’ve not bought one for a long time but, when I did, I bought the sort that allowed you to pick medical but not baggage

  6. Will

    February 21, 2014 at 7:02 PM

    Great article, I always find it a hassle finding goog travel insurance, especially because I am more inclined to extreme sports these days, its always hard to find something to gives good overall cover. I found STA to be pretty good.
    Thanks
    Will

  7. Mark Lukes@iFly

    March 13, 2014 at 7:42 PM

    When you travel it is also best to think of your safety. I mean you never know what might will happen. This is very helpful and informative. Everytime I travel I make sure I have the quality and reliable travel insurance.

  8. Jacob Soderman @NPI

    March 22, 2014 at 1:51 AM

    I dont believe that cheaper insurance is always better. Pay a little more and choose your travel insurance plan wisely. I do extreme sports thats why travel insurance is important for me.

  9. SarahCris

    August 21, 2014 at 12:49 AM

    You have to be wise when securing for travel insurance. In Singapore the citizen are required to secure a travel insurance before going out of the country. You have to research to find out which one that fits your budget and your type of vacation. Because i have stick to my travel insurance for a year now.

  10. Gracey

    September 6, 2014 at 8:53 PM

    Travel insurance is helpful to get cover of your any lose while traveling. It is a beneficial policy to be per-secrue from any accident . Helpful tips to find quality travel insurance.

  11. Sally @ thewinetraveller

    September 20, 2014 at 12:10 AM

    Seems sensible to buy it straight from the insurance providers. I will do it from so when. A very beneficial publish, I got it done from the journey. agency until now.

  12. Mike Dawson

    July 13, 2015 at 1:01 AM

    The best way to find cheap travel insurance is to get a quote from multiple companies and compare their pricing and benefits they are offering. There are also sites which help you to compare prices based on your requirement.

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Travel Tips

Cheap Flights:  When To Get The Best Deal

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Whether you fly once a year or are regularly jetting off on your holiday, you always want to be getting the best prices for your flights. If you’re looking at your next break and wondering when the best time to book flights is, then you may be in luck, as online travel agents Opodo have just released their annual findings. So not only can you find cheap flights, hotels and car hire with www.opodo.co.uk, you can also make a more informed decision as to when to click that ‘booking’ button. So if you’re hoping to get the best deals on the best holiday, check out the key times when buying your tickets will get you ultimate in cost-saving travel value.

Getting the timings right

It used to be that in order to get the best flight prices possible, you’d either book well in advance, or take advantage of those last minute deals that were all the rage. However, if you’re still using that strategy, you may be spending more money that you should be. According to the research findings by Opodo, the optimal time for getting the best deals is by buying your tickets six weeks in advance. There’s a six to seven week window, where flight prices are consistently lower than at any other time, so if you’re hoping to pay less for you travel, that’s the best time to aim for.

What if you miss that window?

It’s very easy to miss that six-week mark, but if that’s happened then don’t worry too much, as there are still options available to you that will still get you a better chance of getting those low-cost tickets. As well as the advanced booking, you can also take advantage of the slight dip that occurs in the two-week window before take-off. That window between 8 and 14 days before travel is definitely the best time to buy if you’ve missed the 6-7 week dip in prices, so don’t put it off in the hopes of grabbing those last minute deals in the week before. Those last-minute offerings are not the deal that they used to be.

Even your choice of day helps

You’re sat at the computer, and you’re ready to book your flights. You’re in the right week and you’re all set up for the best deal, but before you make your flight decisions, it might be worth checking what day of the week you’re on. That’s right, buying your tickets on a Monday is a big blunder, with cheaper prices for the same flight available if you buy on a different day. Depending on your flight type, you may find that booking your flights on a Sunday, Tuesday, or Wednesday will get you a much more satisfying price, and make it more likely that you’ll have a little extra spending money while on your travels.

With a little bit of knowledge and a minor amount of planning, you could find that the possible savings can be quite substantial. If you want to get the best prices for the cheapest prices, then check out the handy infographic, and make sure that you’re buying your tickets at the times when prices are proven to be the lowest.

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Travel Tips

The Perils Of “Cheap” Holidays (And What To Do Instead)

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When it comes to travelling the world, there is one potential downside that stymies even the most determined of travel plans: the cost. Travelling is undoubtedly a very expensive hobby, which means if your wanderlust is biting and you can’t wait to travel the world, the idea of a cheap holiday is incredibly inviting.

However, cheap holidays are rarely a good idea— in fact, they can be incredibly problematic, and can cause you untold stress. If you’re currently being tempted by a cheap and cheerful vacation, then there are a few things you might want to bear in mind…

The perils of “cheap”

Why is cheap so damaging? Well, it tends to mean that every aspect of the holiday has been chosen not for how beneficial it is to the customer, but to how cheaply it can be obtained for the provider.

This means that you could find yourself at a hotel with malfunctioning electronics, bed linens so uncomfortable you can barely sleep, and just a generally poor level of service.

Cheap flights could mean that you are a victim of overbooking, or that the flight will be landing a huge distance away from the city it claims to be landing at.

Finally, cheap deals — such as sightseeing tours — will often be cut short, poor value, and even fail to deliver on what you have been promised.

Taking all of the above into consideration, does that mean that trying to book anything related to a holiday means that you have to pay over the odds just to ensure your safety and security? Not quite…

There’s a difference between “cheap” and “low cost”

Low cost, on the other hand, means that the hotel or deal is being provided with the budget traveller in mind. Yes, the provider wants to keep the costs down, but that’s not the only factor in the decision making. While holidays with low costs providers and hotels won’t be a byword for luxury, they shouldn’t be unpleasant or outright dangerous.

So, the key question: how can you differentiate between “cheap” and “low cost”?

The signs of a “cheap” deal

Learning how to spot the difference between “cheap” and “low cost” is incredibly important.

Signs of a cheap hotel  

  • Very few reviews of the hotel on the website
  • Limited number of photos on the site— or worse yet, the only photos on the site appear to be stock images. You can use a reverse image search to see if this is the case for a hotel you’re considering.
  • Little to no social media presence
  • The website doesn’t use a secure protocol

Signs of cheap deals:

  • Vagueness when discussing travel arrangements or requirements; information is never clearly presented.
  • The deal keeps dropping in price, with often only a few days in between the price drops.
  • There is no set itinerary for what you should expect

Signs of cheap flights  

  • Cheap flights will usually be just that— cheap. They are otherwise indistinguishable any other flight.
  • If you spot a particularly cheap deal, you need to do your research. Don’t take the destination city as read. Let’s say, for example, that you’re planning on flying to Rome. This is the destination that the flight is going to, so you might be happy to make the booking. However, a little research will reveal that Rome has two airports; one of which is convenient, the other of which is nearly an hour from the city itself. You will likely find that a cheap flight provider will be flying to the distant airport, while low cost will be flying to the main airport.
  • So always check out the airport that the flight is travelling to, rather than just the city, if you want to be cautious of cheap flights.

So what are the other options?

You want to travel, but your budget is compromised. The only types of deals that you can find within your price range appear to be alarmingly “cheap”, and you’ve decided not to take the risk… but you still want to travel. What are your options? Here are a few suggestions you may want to consider…

Change your destination  

While travelling is often about exploring foreign lands and delighting in other cultures, you can have a wonderful time in your home country if you’re on a budget. Pick an area that you have never visited before and that you know relatively little about, then visit using public transport and your own knowledge of securing good deals in your home country. It might not be the far-flung foreign travel you dream of, but it should be enough to keep your wanderlust under control until you can afford your next big trip.

Lean on your reward points 

If you’re a frequent traveller, then chances are you have amassed a few reward points or frequent flyer miles. If you can add some funds to your reward points, then you might be surprised by just how fantastic a holiday you’ll be able to afford. As inspiration, consider how Alex Miller from Upgraded Points was able to cover the cost of an incredible trip with relatively little financial investment— the rest was covered by his reward points. This is a great choice if you have some money to spend, but not enough money to spend on an entire holiday— use your reward points to make up the difference and secure yourself a great deal.

Wait

Yes, it’s the option that no traveller truly wants to consider; if you want to travel, then the idea of waiting for a trip can feel extremely stifling. However, it’s better for your financial situation and your own well-being to opt to stay home rather than take a risk with a cheap deal. As you wait, you can keep scouring the internet looking for low cost, rather than cheap, deals that might fit into your available budget.

In conclusion 

So while you may be desperate to travel, it’s important to be careful. Hopefully, one of the alternatives above may help to settle your wanderlust… for awhile, at least!

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Travel Tips

How to Spend a Weekend In a New City

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So, you’ve either planned a mini-break or else you’re stopping over in a nearby city to see the sights while you can. Either way, two days in a city you’ve never visited before may not seem like much, but you can definitely tread some serious ground while you’re there. Whether you’re the outdoorsy type or you prefer perusing art galleries, it’s important to soak up as much culture as you can from the experience, so you don’t feel like you’ve missed out. With this in mind, here are five tips to help you make the most of your weekend in a new city.

Dine In the Best Restaurants

Before you land in your city of choice, do some online research to determine the best restaurants in the area and make some reservations. You can check out the Top 10 lists on Trip Advisor and read customer reviews to find the top picks. If money is an issue, you might want to avoid the pricier options, but you should aim to try as much as you can of the local cuisine especially if it’s food you wouldn’t normally eat.

Take a Historical Tour

If you’re visiting a big city like London or New York, there’s bound to be plenty of history to fill the gaps in your knowledge. Most touristic places offer guided tours of or bus-top tours that show the local highlights, so book yourself on one of these and try to see as much as you can while you’re there. You can also visit local monuments, museums, and landmarks where you can take some great photos of your trip.

Book an Escape Room

If you’re looking for that extra bit of excitement to get your adrenaline pumping, an RVA Escape Room could the perfect way to while away an afternoon. These crop up in most major cities and they’re increasing in popularity all the time. Whether you’re traveling alone or with a partner, you can call upon your inner sleuth to solve clues, crack codes and work on puzzles to break out of the “locked” room.

Stay Somewhere Unusual

Whether you’re a full-time traveller or a summer vacationer, chances are you’ve stayed in your fair share of hotels. Why not switch it up and try something different, such as a Botel (hotel on a boat) in Amsterdam or an undersea lodge in Florida. Staying somewhere new and exciting will give your weekend trip an edge and make it even more memorable.

Fight the Jet Lag

A weekend in a new city often isn’t long enough for you to explore properly, but for this time at least it’s all you have. Therefore, you don’t want to spend the whole period jet-lagged and not be able to enjoy it. If possible, avoid jet lag by selecting a flight that lands early evening, and try to stay up until at least 10pm to keep your body clock on your side. You should also avoid alcohol and caffeine on the plane and drink plenty of water when you arrive. Take short naps if you must, but don’t let jet lag overshadow your experience!

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Meet Cole and Adela

Cole and AdelaWe 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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