With the Summer months bringing the peak holiday season, many travelers have begun the search for the best deal on their travel insurance. The cost of hotels, flights and accommodation bookings have already eaten a big chunk in to your holiday budget, and you still have to buy a new swimsuit, pair of sandals and travel cover.
When it comes to buying a travel policy, where do you start? Do you look for a cheaply priced policy over one with a better level of cover? Do you shop around for the best deals?
However, it is important to remember to not jump at the first holiday insurance deal you come across. The elements of cover within your travel policy should be of an adequate level and suitable for your individual needs, while the price competitive and within your budget. With a little bit of research, mixed with being savvy, it is possible to obtain a travel insurance policy with a great level of cover and for a cheap price!
So how do I get the best deal and find cheaper travel insurance?
When planning your holiday or round the world trip, there is so much to remember; Researching your destination, booking your flight, and choosing where to stay. But when it comes to purchasing insurance, there are many different types of policy out there offering different things for different prices. Where do you begin?
Use price comparison websites to filter and compare your results until you find the best deal with the best level of cover.
These can sometimes contain special promotional codes and further discounts.
If you are making more than one trip in the year, consider upgrading your cover and purchasing Multi Trip travel cover to reap the savings!
Some travel insurance providers offer a discount for groups and couples. If travelling with your spouse and children, consider purchasing a specialist family policy rather than individual policies. With Alpha Travel, kids go FREE on all our family policies.
Seasonality plays a big part in the cost of your travel plan. Seasonal holidays such as Easter and Christmas alongside bank holiday weekends will usually have a price increase attached to them.
Book your travel insurance policy in good time! Sometimes booking too close to the departure date of your trip can significantly increase the cost of your premium.
Low cost insurance buying tips - before you travel:
It is important to always check what is, and isn't, covered on your travel insurance policy. These are just a few things to consider before purchasing your policy.
Ensure you read your travel documents in good time. Check that you are happy with the level of cover you have purchased and that it is suitable for your needs.
If so, you may need to upgrade your cover and purchase an additional activity pack that includes your chosen activity.
Always make sure that you complete a medical screening if you need to disclose any pre-existing medical conditions or changes to your health.
This is probably the most important element that you should be looking for on cheap travel cover.
How much cover does the policy have? £5m? £10m? £20m? Does the policy also have a 24 hour emergency medical assistance helpline in case you fall ill while abroad? Is repatriation covered? Does the policy include hospital inconvenience benefit?
Always remember to obtain a valid European Health Insurance Card (EHIC) and take it with you on your trip. As an Alpha Travel Insurance customer, if you are travelling to any part of the EU and you have one of these, we will waiver your policy excess.
If you have any questions about any aspect of purchasing a policy, give the Alpha Travel Insurance team a call and they will be delighted to help you.
Alpha Travel Insurance, live life to the full!
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