When Should You Buy Your Travel Insurance?

Have you heard about this little thing called travel insurance? I am sure that you have heard people talk about purchasing travel insurance.  I am also sure that if you purchased your vacations with a travel agent or a discount travel website you have been offered to purchase travel insurance.  Travel insurance can help protect you, your belongings, and your loved ones in the case of an emergency or unforeseen event while travelling.

Travel insurance can help make sure you receive alternate accommodations if your flights are delayed or cancelled, travel insurance can help cover the cost of medical expenses if you have to see a doctor or be hospitalized while travelling, travel insurance can also provide you with basic necessities if your luggage is lost or delayed while travelling.  Some people are fortunate enough to have travel insurance through their employer benefits or as an added benefit on their travel rewards credit card.  But some other people have to shop around for and purchase their own individual travel insurance.

Do you know how to purchase travel insurance? Most people don’t even know where or how to start shopping for travel insurance, but it is definitely something that you should have before you leave for your next vacation.

Three Easy Steps to Purchase Travel Insurance:

1. Shop Around.  Contact your local financial institution to get a travel insurance quote.  Ask your family members and friends for referrals, and get at least 3 different travel insurance quotes.  You can also ask your travel agent how to purchase travel insurance.  Many insurance companies such as Blue Cross also offer travel insurance.  Your travel insurance premiums will depend on how often you plan to travel, how long you will be out of the country, as well as your travel destination.

2. Purchase Travel Insurance As Soon As Possible.  There is no need to wait until the last minute before purchasing your travel insurance policy.  As soon as you book your vacation you can purchase travel insurance.  Depending on your travel destination you may need additional vaccines and your eligibility to be approved for travel insurance may be contingent on you receiving those vaccines. This is why it’s a good idea to shop for travel insurance sooner rather than later.

3. Print Your Insurance Certificate.  Your proof of insurance aka your insurance certificate may be available immediately for you to print online, however depending on your insurance company it may also be sent to you by the mail. Purchasing your insurance policy as soon as possible ensures that you are guaranteed to have your proof of insurance in your hand before you leave on vacation. Have your proof of insurance on you at all times while travelling. Keep your proof of insurance with your other travel documents such as your passport or in your wallet because you never know when or where you may have a medical or travel emergency.

Where do you want to travel for your next vacation? I want to go to Portugal.

Photo by Moyan Brenn

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