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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 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

Time To Start Travelling Again – Soon!

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Fellow travelers, most of you must be feeling that old wanderlust very strongly right now! I’m pretty sure most of us are ready to go out and explore like we did before. The good news is that it looks like we are nearing that point.

Most major airlines and destinations are at the very least starting to open up and book non-humanitarian flights (check sites like SkyScanner & CheapOAir), with departure dates ranging from two weeks to three months’ time, depending on, depending on the destination.

So the question remains: where should you go first? Here are some of Four Jandals’ thoughts on the subject:

Montreal, Quebec, Canada

We’ve already been to Montreal many times before, as that link can surely show you. We really want to go back and enjoy the life in that vibrant city. Here’s a few reasons why:

-International flights will be available in a few weeks.

-Everything except for combat sports, amusement parks (La Ronde closed, too bad), and major events is now open.

-Cuisine, cuisine, and more cuisine. Bagels, smoked meat, poutine, mmmmmmm.

-Montreal for all it’s panache is surprisingly cheap if you know how to avoid the tourist traps.

Punta Cana, Dominican Republic

Why Punta Cana? Great all-inclusives. This option is really good for people who just want to kick back and relax and not necessarily even move that much, which is something maybe we all want at one time or another.

Several days of beaches, buffets, luxury accomodations and absolutely no schedule. And nobody else does it quite like they do it in Punta Cana!

Mexico City, Mexico

Mexico City gets a lot of tourism, but for some reason it’s always been greatly overlooked as tourist destination, all the same. This is a shame, because this city has a whole lot to offer.

First off, it’s a world-class culinary destination. You can get food from all over Mexico and all over the world here, from chapulines on the street corner to tacos to seafood Veracruz style to asados to Michelin star restaurants, Mexico City will never fail to disappoint a foodie!

Besides this, together with NYC and London, Mexico City features some of the world’s best and most prestigious museums. One could literally spend months on end here and still not see everything the museums have to offer.

Add to this great live music and nightlife in general, and a generally great climate (it’s rarely below 10 degrees or above 30 degrees centigrade over there), and most importantly, seriously awesome people. Everybody should check this city out at least once.

 

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Travel Tips

G​ive yourself a Florida writer’s retreat

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While folks are still trying to social distance, many freelancers could use a getaway. The same gig in the same house with no coffee shops available to go to? It gets old after awhile.

A​ writer’s retreat might be in order for you. While holed away in a resort, you can get your freelancing organized on Top Content, order from hidden gem local restaurants, relax, enjoy, and get those creative juices flowing.

Florida may not be your top destination this summer. But if you’re looking for a new place to write all alone? Then severalFlorida destinations are a good bet, especially the less obvious ones.

S​tuart

North of Palm Beach County you’ll find calm, peaceful Martin County. Stuart is the largest city in Martin County. The small city boasts both great beaches and diminishing numbers of corona cases, and so it’s an ideal place to get away from it all right now. Because it’s on the water, Stuart is best known for its fresh seafood. Some restaurants are open for dining. Better yet, you can get fresh, local seafood delivered directly to your resort door.

I​slamorada

I​f you’re up for an oceanside drive to inspire your thoughts, make Islamorada the end of your journey. The Florida Keys are a writer’s paradise, even during the hot summer months. Less crowded than Key West and a lot closer, Islamorada Is everything you’re looking for in the Keys, only you can have it all to yourself. Almost every resort in town is directly on the beach, and yours for relatively cheap. Fresh seafood is plentiful, as is beautiful scenery. On your way down, stop at the Florida Keys Wild Bird Center.

A​popka

Immediately northwest of Orlando, Apopka features a ton of natural beauty and wifi enabled campgrounds. There are many RV and resort parks nearby, including Lost Lake RV Park and Magnolia Park, a campground featuring butterflies & peacocks. While trying to gain inspiration, you can stroll around hugeLake Apopka. Because it isso close to Orlando, Apopka has the shopping and amenities of a larger city. Once you’re there, though, you’ll feel like you’re way out in the country.

M​icanopy

Just outside of Gainesville and close to Cross Creek, the famed home of Florida writing legend Marjorie Kinnan Rawlings, you’ll find Micanopy. Named after a title given to Alachua Seminole leaders, this town is a well-preserved slice of old Florida. One great place to stay is the Herlong Mansion, currently running a reopening deal.

S​ebastian

W​ith wifi-enabled camping grounds, coastal views, and quiet summers, Sebastian is a prime place to visit. The town motto is “Friendly People and Six Old Grouches,” but the six old grouches probably went back up north for the summer. Hotel rates are low, and between Sebastian and neighbor Vero Beach, you can fulfill whatever food or shopping needs you might have. One optionis the Sportsman’s Lodge, a weekly and extended stay property that boasts especially low rates between May & December. Call ahead if you’re looking to book a stay.

A​ change of pace can be great for the writer’s imagination. Hopefully, you can find it in Florida this summer.

 

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Travel Tips

The Best Cities for New Opportunities

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Even in this time, one service that will still remain essential is moving. While relocating to a whole new area might not be at the forefront of many people’s minds right now, there are lots of wonderful places ready to welcome you to a whole new lifestyle. Although lots of people are staying put this summer, moving is one of the safest adventures right now.

If you’re looking to start a new business in your new location, be sure to check out the New American Bancard company at https://www.northamericanbancard.com/ for help getting off the ground. The post-pandemic economy will be a place that a lot of people are looking to start over, so get moving now.

Sarasota, FL

With calm beaches, great culture, and a slower pace of life, Sarasota is a destination for more than just vacationing. Outstanding restaurants and the picturesque gulf waters are anchored by low cost of living and lots of available housing. Schools are great and performing arts thrive in Sarasota, and living close to The Ringling Museum is pretty great, too. If you need great local movers when you arrive, be sure to call Great Local Movers, who will be happy to welcome you to the jewel of west Florida.

Franklin, TN

Want Music City Magic without the Music City cost of rent? 30 minutes south of Nashville, you’ll find your answer. While costs in Tennessee are rising, Franklin remains an affordable option for many singles & families. Close to the Smokey Mountains for nature lovers, Franklin also boasts the historic Mockingbird Theater, a local gem.

Provo, UT

A booming tech sector and growing cultural scene helps boost Provo’s reputation as “the Austin of the Mountain West.” With low cost of living, an exciting music scene, and enormous job growth, you might want to get in on the goods of Provo now, while costs are still low. Proximity to the benefits of Salt Lake City and the stunning beauty of Zion National Park are also terrific reasons to head west.

Lancaster, PA

Close to Amish Country, Philadelphia, and dubbed the new Brooklyn, Lancaster is a great place to move to. It has outstanding restaurants, incredible shopping, and is a rising star on the East Coast. Lancaster offers a lower cost of living with reasonable access to the biggest cities on the Eastern Seaboard. It is a great place to relocate for both young professionals and for families.

Boise, ID

If you’re looking to leave behind urban life without leaving behind culture and opportunities, Boise is for you. Idaho’s largest city experienced growth three times that of the national average in the last decade. Boise is only looking up from there. The natural beauty of the city is boosted by a nearby central Idaho dark sky preserve.

Think of a big move like a very big vacation. Take the plunge, and you might thank yourself once the world has returned to normal.

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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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