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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 comparetravelinsurance 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 [email protected]

    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

Dogger-Lust: Finding Places to Stay for You and Your Dog

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Travelling with your pets is rewarding but like all adventures, can be an expedition into the unknown. Whether it’s navigating quarantine laws or finding a pet sitter for a night out, getting sorted with a pet in tow on the road, air or ocean can take time. However, the good news is that as the digital economy matures there are countless resources to assist you. Pet sitters? Plan ahead and Skype interview them for piece of mind before you arrive at your destination. Need a recommendation on pet friendly dining options? Most review sites will have a selection of places for you and pup to frequent. And perhaps most importantly, there is the ability to locate online the closest (and open) veterinary clinic. This can be vital in an emergency situation.

But what about accommodation? Some hotels are finally cottoning on the burgeoning market of travelling with pets and some accommodation sites are adding ‘pet-friendly’ filters to their search criteria. Of course, good old fashioned word-of-mouth and online reviews will also enable you to find less obvious pet friendly lodgings as well. However, we have had the most success by finding our ideal accommodation and then contacting the owner/management to make our case for allowing a pet to stay. In this case, developing a slick looking Pet CV may seem a tad twee, but it is generally only seen in the case of long term rentals – rather than travellers and those on holidays – so it’s worth a shot. It’s also worth noting that in dire circumstances many private or hotels will allow pets – at a price. 

For the ultimate in pet friendly accommodation, there are several destinations that should be on bucket-list. In Europe, see Le Bristol in Paris and The Hoxton in Amsterdam. Dogs even stay for free at the Hotel Beau Rivage in Geneva. Leading the way in Asia is Japan’s KAI Kinugawa, a sumptuous onsen lodging with a Japanese-style pet friendly room. If you’re heading Down Under, check out The Langham in Sydney and Somerset on Elizabeth in Melbourne who both willingly welcome your pets. Worldwide, large chains such as Four Seasons Hotels and Resorts, Best Westerns, Fairmont Hotels and Ace Hotels (selected properties) all offer pet friendly accommodation of luxurious quality and an array of services from doggy spas to fine dining pet menus. 

Another way to ensure you and your dog are always welcome is to take your home with you – wherever you go. While Tiny Homes are making their mark in sustainable living, the humble caravan is ultimately more portable and your ticket to travelling with pets. 

Best of all, when you’re back on home turf, just park your caravan and protect it until you’re ready for your next adventure. We recommend the Adco motorhome cover for its durability and zippered panels meaning you don’t have to completely remove it to get your vehicle. Bonus points for breathable, premium fabric that filters 99.8% of UV rays that over time damages your caravan’s paintwork. Happy travelling! 

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Travel Tips

6 Tips to Choose a Good Tent and More [Infographic]

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Probably one of the best ways to get away from it all is to return to a simpler existence, with just a handful of needs to cover. If you are looking for something like that, outdoor life and camping can be a good option, whether in a campsite or in the countryside.

If you need to buy a tent for the first time or if it has been a long time since the outdoor experiences, you should take into account some basic concepts due to the large number of models and new materials. The following are some tips that will help you in the choice.

>> Camping essential – a personal GPS tracking device that would work without cell service.

1. How many people will sleep in the tent?

Although normally each model of tent indicates the maximum occupancy that it tolerates, this number does not take into account the storage of equipment, the size of people, pets or the sleeping habits of each, for example, if they move or turn much. Then it is not bad to consider the team as an extra person and if you want to be standing inside it you will have to find out the maximum height.

2. Do you have to transport it long distances?

Not all tents are designed to be super light and, at the same time, shelter six people with all their equipment. If you are going to carry it in a backpack, you are clearly looking for the first, a small tent, with limited capacity and made with lightweight fabrics, but if you are looking for the second, then you should focus on heavier fabrics and materials that allow larger spaces.

The backpackers’ tents are less spacious than the family ones that are normally transported by car and usually offer very little height.

3. The weather should not be set aside

In the case of strong winds, freezing rain, excessive sunlight or insects and bugs that bite the best will be a good and solid tent. That means polyester / nylon and mesh panels to provide protection and ventilation. Water resistance is indicated by a number that ranges between 400 and 2,000 (2,000 is the most waterproof).

Anyway do not overdo it, it is not the same an expedition to Aconcagua than a weekend a couple of hours from home. For a summer camp with 400 it will be fine.

4. With or without rooms?

Some tents offer divisions to create separate “rooms” inside, which is ideal for families with children. There is also the option of a porch area with waterproof windows that allow you to create an indoor / outdoor space in a tent, which helps keep annoying insects at bay and prevent entry with wet or muddy slippers. It is best to have an eave or apse, something very useful for storing equipment, cooking, changing wet clothes.

5. With a roof – much better

Tents that have an over-roof to the floor retain heat better and protect more from rain. It is important to keep in mind that a light color of the over-roof absorbs less solar radiation and warms its interior less, although it has a disadvantage that it allows the light to pass through a lot. On the other hand, if it is dark, and the tent is located in the shade, it will be cooler and less bright.

6. What material?

A minor aspect is the fabric. It must have cross ventilation so that condensation does not occur. The rips top or anti-tear fabrics are better than those of aluminized nylon and, obviously, those of common nylon since they are lighter and do not wear out.

The following infographic gives more tips for camping tent, including preparation, how to pitch a tent, pest control, etc.

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Travel Tips

Here’s What Your Travel First Aid Kit Should Look Like

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first aid kit

If you have heard it once, you have heard it a million times: do not travel away from home without at least a basic first aid kit. That is good advice. And if you frequently travel to remote locations where emergency help is hard to find, you might need more than just a basic kit. Plan to take a few more items with you – just in case.

As a benefit to readers, this post will explain just what a basic travel first aid kit should look like. It will also explain how to use your kit should you ever find yourself in an emergency situation. It goes without saying that first aid is often the determining factor in how well a patient recovers from accident related injuries.

Contents of a Good Kit

Basic, travel approved first aid kits are pretty common. You can buy them online and in all sorts of brick-and-mortar stores. A good kit suitable for a couple of days of hiking or camping in an area fairly close to civilized society would include all of the items listed below:

  • Strip Bandages – These are small, adhesive bandages ideal for small cuts and lacerations. They are also great for blisters and boils. Covering a small wound with a bandage helps keep out dirt and prevent infection.
  • Gauze Bandages – Whether your kit has gauze patches or a roll of gauze strips, this material is suitable for deeper wounds. Gauze is a material designed to absorb blood and promote clotting simultaneously.
  • Medical Tape – Gauze pads and strips are more easily held in place when you have medical tape. A high-quality medical tape will hold up even under wet conditions. It resists perspiration as well.
  • Antibiotic Ointment – Preventing a wound from getting infected is the purpose of antibiotic ointment. A decent tube of ointment can be very helpful without taking up a lot of space in your kit.
  • Pain Medication – A bottle of over-the-counter pain medication goes a long way toward making an injured patient more comfortable. Aspirin, acetaminophen, and ibuprofen are all good choices for pain relief.
  • Scissors – A good pair of scissors will be useful for cutting medical tape, trimming gauze pads, and safely removing skin from an open wound.
  • Tweezers – You might need a pair of tweezers to deal with splinters and small objects embedded in open wounds.
  • Thermal Blanket – It is a good idea to include a thermal blanket in your travel first aid kit. Though a lot of similar articles don’t mention the blanket, the need for one becomes obvious when you understand how easily shock can set in following an accident. A thermal blanket is critical to keeping someone who is in shock warm.

The items listed here are the starting point for a basic first aid kit. If you plan to travel into remote areas for any length of time, you might want to consider some additional items such as water purification tablets, antidiarrheal medicine, rehydration salts, butterfly bandages, and a quick clot medication.

How to Use Your First Aid Kit

By now you should understand just how important it is to have a first aid kit with you when you travel. But there is more to first aid than simply assembling the supplies you need. You also have to know how to use them. There is no better source of knowledge than a first aid class offered by a qualified organisation.

Anyone who travels away from home regularly could benefit from taking a first aid class. A typical class teaches basic first aid techniques including wound dressing, stabilising fractured bones, performing CPR, and even dealing with a variety of animal and insect bites.

One of the things you quickly learn in first aid class is that the care you provide to an injured patient is not intended to be a substitute for comprehensive medical care. First aid is really just to stabilise an injured person until he or she can be transported to a medical facility.

The take-away here is that it is a good idea to learn how to use the supplies in your first aid kit to render emergency care for the purposes of stabilising an accident victim. If you do not know how to properly dress an open wound, for example, your patient could end up with a serious infection before he or she ever makes it to the hospital.

A travel first aid kit, even if it is just a basic kit, should be non-negotiable for people who frequently travel away from home. Good first aid kits can be found online and at brick-and-mortar retailers. You can make your own kit as well, by starting with a weatherproof container and filling it with the sorts of things listed in this post.

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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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