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How to find cheap travel insurance

There’s no doubt that travelling has the ability to burn a significant hole in your pocket if you don’t keep an eye on the costs. After all, there are flights to book, hotel rooms to reserve and you’ll certainly want a few dollars to spend once you arrive at your destination. On top of all this, you also need to think about travel insurance to save you from losing a potentially astronomical amount of money, should disaster strike.

But travellers rejoice! There’s no need to break the bank when securing the right travel insurance for your trip. Here are a few tips for finding the best cheap travel insurance deals available:

Tips for finding the cheapest travel insurance

1. Avoid buying insurance from a travel agent, tour operator or airline Buying the travel insurance that’s offered as part of a package along with your trip might well be tempting – it saves you the hassle of researching your own plans – but not only is it likely to cost more, it is unlikely to be personalised, meaning you might not be covered for the eventualities that are most important to you.

2. Be clear about what you need cover for The standard concerns usually include overseas medical bills and repatriation costs as well as cover for lost luggage, delays and cancellations. However, you need to make sure the policy suits your personal needs. For example, if you are planning a skiing holiday, you will need specialist insurance to cover you for accidents on the slopes whilst if you are packing a tablet, laptop and expensive camera equipment, it is highly unlikely that super cheap travel insurance quote you found will cover it all sufficiently.

3. Consider the excess The excess is the amount of money that you will have to pay out for a claim, before the insurer steps in. So, if you choose a cheap international travel insurance plan with a high excess, the policy might cost less, but you might end up forking out most of the cash yourself if you need to make a claim.

4. Declare any pre-existing medical conditions Be open and honest regarding any pre-existing medical conditions even if they barely affect your daily life. If the insurer is unaware of certain conditions, you may end up having a claim refused and landing yourself or your loved ones with an extortionate medical bill should you fall ill overseas.

5. Choose an annual policy for multiple trips Save money and hassle by choosing an annual multi-trip plan if you are expecting to travel several times throughout the year. Whether you are frequently visiting family abroad or regularly travel for business, an annual plan can often work out cheaper than purchasing individual policies for each trip.

6. Turn to a comparison site to locate the best value deals If you’re struggling to find the best value travel insurance deals, compare cheap travel insurance quotes with a comparison site like TravelInsuranceExpert.com.au. Simply fill in your details and receive a selection of top deals that suit your requirements. All you need to do is check through the policy small print and make your final choice.

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