Consideration of Choosing Cheap Travel Insurance

Travel insurance usually is one of the conditions in the visa application when visiting certain country especially Europe and United States. There are several kinds of travel insurance based on the requirement and the level of our capacity, also the value of the trip that will be done. If the travel insurance only for the condition for visa, possibly main consideration is the cost.
However, if the insurance is really needed, possibly this matters could help.

The consideration before choose travel insurance:

1. The Scope of the trip territory.
Whether the travel is only on the same level region or worldwide. For the level of the world trip also must see whether it including the US or non US. This will influence the price of the insurance policy because the health service in the US is very expensive.

2. Which travel style that will be use?
Whether it is backpacker or first class. There are packages of the insurance with the backpacker theme that pressed the cost and had the longer duration.

3. Considered whether will be insuring the gift.
Whether carrying valuable stuff or only common traveling. For professional photographer had the special insurance for the camera and the equipment.
Passport and money must be also paid attention to. However, there are limitations for jewelry and cash money that usually do not include the high value.

4. The length of trip duration.
The price of the travel insurance depends on the duration of the trip.
In several terms maximum is 21 days and afterwards count as weekly. The activity what would be doing during the trip? For sport adventures, travel insurance usually will not cover this. Pay attention to sports that still in the policy scope. Bungee Jumping or trill seeker sport occasionally out of terms

5. The Requirement for the personal and the family health.
Do you need the supply of the medicine constantly? Whether there is any certain medicine allergy? Whether there is possibility of being sick during the trip.

6. Consider the possibility of the insurance that include the cancellation or delay.
Especially if all the activities has been ordered a long time before.

How to find the cheap travel insurance:

1. If is possible, buy it online. The online purchase process beside fast also does not need many work papers. Just enough for numbers of the insurance and contact if the emergency condition happening.

2. The high commission in the agency level occasionally also could make the price cheaper.

3. If you doing travel often, choose the travel insurance yearly (annual multi trips). This is cheaper and it gave high flexibility. Negotiated it if the payment is paid monthly.

4. Try to contact the bank or the insurance agency that was used often by your working company. Usually they give the significant discount.

5. Cheap is not mean it is good. Try to search the review about the claim service especially in the important territories. Whether it is good in medical claim or it is bad in the goods claim?
Or the reversal.

The step for purchase travel insurance:

1. At least contact 3 insurance companies. Compare their price and terms. Choose one that met your requirement.

2. Must be paid attention if it is has the special matter: for example the condition before the policy (preexisting medical conditions), old person, the pregnant woman, adventure travel or that planned to work, needed a caution to choose.

3. Get the last health condition. When it is possible, ask the doctor whether it is need special attention for example the injection or medical treatment before and for the trip.

4. Pay attention to each one terms thoroughly. For example, any country that included to one region. Such as Asia, (New Zealand country categorized as Asia-Pacific). Or what country that is not covered because of the reasons in the war condition. The example: Afghanistan, Cuba, Congo, Iran, Iraq, Liberia, Sudan and Syria.