If you are over fifty years of age and still greatly enjoy travelling, there is nothing wrong with that! You should absolutely keep travelling until you are truly no longer able to do so. That being said, it is wise to invest in travel insurance for your trips so that you are covered if you are in a foreign country and you are presented with an unexpected medical emergency.
It is important to proceed with caution when selecting a travelling insurance company, because many of them are unethical and do not give you a good value for your money. Additionally, many of these companies do not present you with all of their package offerings, which prevents you from finding a package that could be better suited to your needs. To learn more about what to look for in the ideal travel insurance company and various other travel insurance plan options that are not always advertised well, continue reading below.
What to Look for in the Ideal Travel Insurance Company
Travel insurance companies are located all over the world. It is important to find one located in your home country so that you are covered by their policies. For example, Medical Travel Compared is one of the leading travelling insurance companies within the UK for clients to consider. When shopping for your ideal travelling insurance company, be sure to consider the following in your choice:
- 24/7 Customer Service, Both Domestic and International: This is one of the most important aspects of investing in a travel insurance company. You have to know that you are going to be able to reach it from abroad in a medical emergency. If the company does have a foreign country specific phone number, it must employ people who speak English that you can communicate with about your medical safety. In many languages, the medical terms are quite difficult to converse about. If you are in an emergency, the time wasted misunderstanding each other could sometimes change the outcome of your emergency.
- Knowledge of Foreign Medical Services: When hiring a traveller’s insurance company in the UK, it is imperative that it has local offices in the countries that you are planning on travelling to. If not offices, it needs to have strong local connections to ensure that you are taken to the best possible hospital that has someone who can care for you and speaks English. This is particularly important in countries such as Vietnam, where the local hospitals have poorer quality and there is a great language barrier.
- The Company Should Cover Personal Belonging Insurance and Travel Delays: This is a perk that any accredited traveller insurance company should possess. You should be covered for any delay and changed flight fee due to an emergency. You should also be covered for any lost belongings during your travel. Investing in a company that has a policy such as this is great for your peace of mind if you are travelling to some of the less reliable parts of the world.
- Transparent Feedback: When choosing a traveller’s insurance company, it is important that you verify its reputation within the industry. You should be able to converse with current and former clients before purchasing a policy. Also, you should be able to see a strong Internet presence, with forums for you to consult that present honest and unbiased reviews. If you see a company with too many positive reviews, then it is wise to ask questions. Every company has a horror story, and if you see too much positivity, it is wise to look elsewhere.
- Well Defined Contracts on Your Policy: If you are investing money in a traveller’s insurance company, it should have an easy to understand contract for you to consult. If the company has this, then there will be fewer misunderstandings pertaining to your policy in the future.
Finding the right traveller’s insurance company is a process. However, through diligent research, you should be able to find the right fit for your individual needs.
Other Viable Travel Insurance Options That May Interest You
Many travellers insurance companies do not do a great job of advertising their policies. Here are some examples of policies that could be beneficial to you that are not always well advertised within the industry.
- Single Trip Insurance: Many companies try to sell you a larger policy that you do not need. If you are only taking one trip this year, it is wise to ask if the traveller’s insurance company has a single trip policy. This way, you will still be covered, but also be saving some money to add to your fun trip!
- Cruise Insurance: Cruise insurance is a great investment for you. Many companies do not advertise that they have it, considering the range of suits that are filed on cruise ships. If you know that you will be taking a cruise, ask your prospective traveller’s insurance company if they have a cruise ship coverage option. This will likely give you more perks that will be a better value for your money.
- Over 65s Insurance: This is a unique option that many travellers insurance companies do not advertise, because they do not want to differentiate selling their policies by age. The reality is that as you get older, you are going to need more specific coverage. It could be wise to consider if there is an insurance policy closer to your age bracket that will give you the coverage you really need for a better price.
Finding the right traveller’s insurance company that has the exact right policy for you can be challenging. What is important to remember is that you need to do your homework and look for those hidden policies that could be a better fit for you. If you do this, you will be able to find the right policy for you that allows you to enjoy your trip of a lifetime with ease!