3Travel Insurance Tips

Whether you’re a traveller who plans every minute of a trip or someone who tends to go with the flow, you can’t rule out sudden mishaps or illness. In these moments (or for peace of mind), a comprehensive travel insurance plan is a must!

#1 Coverage

While policy details vary across plans, insurance should include travel cancellation insurance to protect you from financial loss, trip interruption coverage with reimbursement if sudden family issues or illnesses cut your trip short and medical insurance to cover your expenses for medical emergencies and illnesses during your time abroad. This extends to ensuring you have access to a global network of providers and healthcare services, emergency medical coverage and evacuation, trip cancellation, baggage delay and loss coverage.

#2 Comparing carriers

Aside from analysing the specific coverage, cost and benefits of the plan you’re interested in, you’ll want to make sure the insurance company can deliver you monetary protection if you were to need coverage for your travels. The best way to check this is through an AM Best ratings tool or asking an insurance broker’s professional opinion.

#3 Insurance brokers

When securing an insurance policy, there are two ways to do it: through an agent or through a broker like Pacific Prime. Going with a broker means you’re presented with a variety of insurance options to fit your needs and budget. An agent’s goal is to sell a package from their agency, however a broker’s aim is to help you secure the best insurance policy for your trip.

About Pacific Prime

Pacific Prime has over 20 years experience simplifying the insurance process and helping people compare options. With one of their insurance experts, you can get impartial advice about the insurance market and specific plans, and also assistance with any claims and administration issues. Book travel insurance before your trip and find out more at pacificprime.com.