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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.

White Water Rafting the Nile River with Nile River Explorers Review

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

How To Keep Yourself Occupied When Travelling

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Many of us find ourselves constantly in and out of airports, for business or pleasure or whatever the reason may be, and would like to make better use of that dead time, of which there can be a lot, especially on long multi-segment trips overseas, for example. Here are some quick suggestions to ponder:

Ebooks:

Travel time is actually excellent for absorbing a couple really good books, and it’s a great time to catch up on some much-needed reading. You have so many options for ebooks I don’t think it’s even necessary to list them here. You also have your preference of audio books or regular text books; it’s completely up to you. Text is a lot faster if you’re a reasonably good reader, but audio books allow you to do things like walk around and eat while still getting the book “read to you”

Online Casinos:

Online casinos are an excellent way to kill time on those long layovers. In fact, the hours can go by in a blur when you’re gaming in this way; make sure you have an alarm set so you remember to get to the gate on time for your connection:

Guts online casino with mobile games is a prime example of a great casino site where you can keep yourself occupied for hours on end. One of the nice things about Guts is how comprehensive it is. This allows you to get all your online casino fun in on one app only, thereby avoiding having to spam separate apps on your phone for poker, slots, blackjack, etc.

Other Games on your Phone:

There are obviously tons of possibilities here. Once again, to avoid that dreaded app spam on your phone, pick a couple of really good games that you like a lot and aim for complete and total domination and mastery of them. This will also keep you focused and help with your mental hygiene.

It’s a good idea, actually, to have at least one game available on your phone that does not require an internet connection. This is for both being on the plane itself, and also for being in strange towns where there is no roaming, no wi-fi and no SIM card available for you. You will be grateful to have that one reliable game to pass the time during those gaps in the internet service.

Take A Look Around Town:

This is a final option, but can be a really good one. There are several factors that need to be in play for this option to be viable and workable.

-The security check-in process can’t be overly complicated or slow

-The time of the layover must be enough and must be at a time when there is actually something going on in the town you are in for the layover. Some major cities are closer to being 24 hour towns than others.

-The airport must be reasonably near to the interesting parts of town in that city, unless you don’t mind spending big bucks on transportation. Rideshare has, however, mitigated this quite a bit. Be realistic about your travel times. Remember traffic can be hell in some cities, hell like you wouldn’t believe.

Honestly, the best way for this strategy to work is to know what you want to see beforehand and just go there. Wandering around is usually a waste of time. Do your research online beforehand to make sure you get a positive experience out of this.

Conclusion:

Layovers don’t have to be purgatory for you. There are options to make the experience better and more edifying.

Do you have another way you spend your time travelling productively that you’d like to share with us? Please feel free to let us know in the comments below.

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Travel Tips

Top ways to keep yourself entertained while traveling

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Traveling can sometimes be a boring time. Long waits in airports. Traffic jams. Ferry crossings with nothing but water for scenery. No matter whether you’re traveling by car, plane, or ferry, there will always be times when you’ll wish that you had something to occupy you.

Thankfully, in today’s fast-moving world, there are plenty of options to keep your mind occupied when you’re on the road, in the air, or at sea. Here are some great ways to entertain yourself while traveling.

Read a good book

Don’t waste your time with glossy magazines. Most of them will rot your brain and you’ll be done reading them before you’ve even made a dent in your journey. They also take up as much space in your travel bags as a good book, which will occupy you for far longer.

Many people also find that reading a book helps them get to sleep. If you’re one of the unlucky people who finds it difficult to sleep on planes and in cars, a book can help you doze off naturally.

If you’re one of the super-unlucky people whose motion sickness can be exacerbated by reading, there’s a great alternative: audiobooks. Downloading audiobooks to an audio device such as an iPod takes up very little space and frees up luggage room. It means that you can take a whole collection of books with you on your travels so that you’ll never get bored!

iPad or tablet

Don’t rely on airlines, bus terminals, or ferries to provide high-quality visual entertainment. Loading up an iPad or tablet with the latest movies puts the ability to occupy your mind in your own hands. Also, bring an iPad charging station just in case your iPad, smartphone, and other devices need some power, and charge them simultaneously in public charging stations.

iTunes is a great place to download the latest Hollywood blockbuster movies, as well as fun games and eBooks.

As many public places now offer free Wi-Fi, a tablet is also a great way to stay in touch with friends and family while you travel. Best of all, using a tablet to entertain yourself instead of a smartphone means that you won’t drain your phone’s battery. This is important as charging points can be scarce on the road and you may need phone access in case of an emergency.

Play the lotto

Playing the lotto can be a fun way to pass the time while traveling. Firstly, there’s the welcome break of pulling over at a rest stop – or dipping into a terminal convenience store – to pick your lottery numbers. Many people play the lotto using numbers with personal significance, such as birthdays, so the mere act of deciding on the numbers that will make you rich can be enough to while away some downtime.

Then comes the best part – daydreaming of what you’d spend the jackpot money on. This is by far the best way to while away the hours of a long journey. Whether you’d buy a house, a car, or simply want to fantasize about traveling somewhere far more thrilling, you can let your imagination run free. Before you know it, you’ll be at your destination!

Once you get there, you can check your numbers on the Mega Millions numbers CA website to see if you’re a winner!

Discover new music and podcasts

When was the last time that you discovered a new band or artist that you really loved? If you’re like most people, you’ve probably got your favorites that you’ve stuck with for the past few years. Now that you’ve got some downtime on your journey, you have a great opportunity to find your next favorite band.

Audio services such as Spotify provide recommendations for new artists based on your existing preferences – so if you really dig Led Zeppelin, Spotify will find out if an emerging band from Israel fits the bill. Best of all, the Spotify paid subscription service now allows you to download songs and playlists to your phone – so even if you’re out of cellphone range or you don’t want to drain your data allowances, you can still get inspired by some fresh sounds. Simply load up your device with songs and playlists before you leave and you’ll have no shortage of new material to help you pass the time on your journey.

In fact, you could even choose a road trip playlist based on the route that you’re traveling – there are thousands of songs about places all around the world! The same goes for podcasts – why not search for and load up some podcasts about your destination? Not only will you whittle away the hours of your journey, but you’ll also be armed with a ton of new knowledge about your destination.

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Travel Tips

How Tourism Can Keep Up With Modern Technology

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There is no denying we live in a digital world, as nearly every aspect of our modern lives involves some level of technology. Advanced technology and consumer electronics impact the way we interact with one another, do business, stay safe, learn and take in most of the relevant information that our brains see on a daily basis.

It should come as no surprise that travel and tourism industries have also felt a major impact from the ongoing technological revolution. With the ever-increasing pace of advancements in smartphones, social media, GPS and the other tools we use to travel safely and efficiently, it can be easy for traditional hospitality, travel and tourism businesses to fall behind.

Fortunately, those in and around these industries are just as innovative and pragmatic as anyone, and technological advancements have also had major positive impacts on tourism. As is the case in any industry, it largely comes down to the willingness to adapt and the ability to utilize modern, efficient tools and applications to your advantage.

Our Global Community

Perhaps the most meaningful impact of all major advancements in the last two decades deals with the interconnectivity of the new global community. Through the internet, social media, advanced networks, global economies and other innovations, anyone can be immediately connected to anyone else or anywhere else in the world. We have the ability to close immense physical distance and do what was once impossible with devices that are constantly at our fingertips.

Although there have been challenges presented to traditional tourism by modern technology, there are also countless opportunities for tourism to flourish. No matter how advanced we may become, the basic concept behind tourism has been and always will be true and consistent: People want to visit new places, and they require help and accommodation to do so.

Embracing Technology

Modern technology encourages exploration and travel, and the tourism industry can benefit greatly from this. One of the key elements of embracing travel technology and using it to your advantage is understanding why people would want to travel. While pictures and souvenirs are nice, travel is always about the experience, and those in tourism would benefit from taking any necessary steps to improve the visitor experience.

It is important to understand that a traveller’s experience does not begin once he or she arrives at the destination; modern technology has allowed the travel experience to begin from the very moment the person decides to go somewhere. All of the planning, booking, researching and reviewing that goes into a successful modern vacation means that travellers are already in the midst of their travel experience well before the bags are packed and the plane arrives.

Hotels, travel companies, amusement parks and anyone in the various branches of the tourism industry should take any necessary steps to make this pre-experience as easy and enjoyable as possible. If you sell tickets for an NYC tour, is your eCommerce site simple and user-friendly? If you manage a hotel, can guests easily locate your establishment through a search engine?

Understanding what it takes to help travellers before arrival is half the battle, and it is the half that is most largely influenced by modern technology. No matter what service or products you provide within tourism, there are some simple steps any tourism business should take to ensure their service is up to tech-savvy visitors’ expectations.

  • Make your website is easy to locate from search engines and related sources.
  • Ensure your site can easily be navigated from a computer or mobile device.
  • Get visitors excited about the trip with beautiful images and helpful blog posts.
  • Make booking/reserving as simple and easy as possible.
  • Ensure visitors will have a platform to share their experiences with friends, family and potential future visitors.
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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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