Top Tips to Find Cheap Travel Insurance

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If you've worked hard throughout the year, you'll probably be ready for a well-earned holiday. However, it is also quite possible you may have a fairly restricted budget. After booking flights and accommodation you may not have very much left for single trip travel insurance. It might even be tempting to jet off for your chosen holiday destination without the assurance of comprehensive cover - but that is very ill advised. Adopt the money saving strategies outlined in this article so the pain of getting cover is reduced.
Do Some Online Research
If you book your holiday at a local travel agency, you will probably be offered the option of adding cover. However, you should bear in mind these agencies will have established business relationships with mainstream providers and may be unlikely to give you a complete picture of your options. Of course you are under no obligation to accept the first policy offered, so it would be far more sensible to conduct online searches and visit the price comparison websites. You may well discover an outstanding single trip travel insurance deal.
Take Advantage of Discounts
You will find some companies willing to offer discounts to loyal customers. It is also worth pointing out there are some websites specialising in the provision of discount codes. You should register for the regular emails just in case there are any special deals on single trip travel insurance you can snap up.
Tailor the Policy to Your Requirements
Some providers will enable you to remove any cover that is definitely not required. So if you've booked a last minute flight you will have the option of doing without cancellation cover, for example. If you're planning on spending the entirety of your holiday beside the swimming pool you might not need cover for dangerous activities, and so on.
Consider the Amount of Excess
You'll find the cheapest single trip travel insurance policies have a particularly high level of excess. If you opt for these policies you will have very limited financial protection in the event of unexpected incidents and you may have to contribute a considerable amount towards the cost of medical bills or repatriation. However, if you obtain a policy with minimal excess, the insurer will have to provide most of the money.
Don't Base the Buying Decision on Price Alone
If you are particularly short of money you might be tempted to opt for the cheapest policy available. However, you'd be better advised to take your time and choose a policy provider with a positive reputation. You should read the small print and ensure you have adequate financial protection. Ask for a second opinion if you have any worries or doubts about a particular policy.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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Tips For Travelling With Children

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When it comes to travelling with your family, there's a lot of planning to do before you leave. One of the main things is to ensure you have appropriate insurance cover; with just a small outlay you could save a lot in the case of lost luggage or medical emergencies. A family travel insurance policy is just one of the things you'll need to tick off on your holiday planner; here are some of the others.
Invest in a child locator
If you have young children and you want to ensure they are safe when you're abroad, it is highly recommended that you get a child locator. This electronic tracking system triggers an alarm to help you locate your child if you become separated in a crowded place like a theme park or a carnival. It also is perfect for those with more than one child. The device is a modern version of the dreaded leash, which all children hate.
Double-check everything
It's hard enough if things go wrong with your accommodation or flights when you are travelling by yourself, but it can be a disaster if you have children with you. Double-check everything: passports, tickets, bookings, and your luggage. If something does go amiss, a family travel insurance policy can save you time and resources if your flight gets cancelled or your hotel room is overbooked.
Pack your child's bag 
Unless you want to arrive with a backpack full of marbles and remote control cars, be sure to edit the contents of your child's bag before you leave. While it is fun to indulge them and let them pack their own luggage, make sure you make a last minute sweep to remove unnecessary contents.
Always at the ready
Whether it's dusty hands, a smear of chocolate or a bathroom emergency, a bag of wipes and some bacterial gel will be your best friends when travelling with kids. Stash them in bags where you can easily get to them and always carry more than one pack.
Savoury over sweet when it comes to snacks
When it comes to snacks, avoid candies and sweets, which can result in hyperactive behaviour and upset tummies. Keep children's energy stable by feeding them nuts, chips, or a banana. The last thing you want is an overexcited, tantrum-throwing child being sick in the airport.
Stay well and safe
Seasoned travellers know that a travel first aid and medicine kit is the first thing that should go in to your luggage. While your family travel insurance policy will cover all the large medical emergencies, you'll still need to deal with things like scrapes, sunburn, cuts and bruises. When you're in a country where you don't speak the language, having your own Band-Aids can come in very handy!
Give them a travel journal
If your children are old enough to write or use a tablet, entrust them with their own camera, travel journal or iPad (just make sure you include any electronic equipment on your family travel insurance policy). They will be able to feel more involved in the journey if they have the task of documenting it - it will stave off boredom and become a wonderful memento of the trip.
All these tips will ensure that you and the whole family can have a fun and relaxing holiday.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family travel insurance, annual, multi-trip and single-trip insurance. For all your travel insurance needs, Insuremore can help you in the quickest and most cost-efficient way.
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5 Common Types of Travel Insurance Options

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Travel insurance is a necessary purchase whenever you go overseas, whether you go for a weekend away or a round-the-world backpacking adventure. However, choosing a policy is not always straightforward. There are many options you may want to consider, and here are five of the most common options to help you make your decision.
1. Single Trip & Multi Trip
One of the first decisions you will have to make is whether to purchase a single-trip or multi-trip policy. You may be considering single trip holiday insurance, and if you are only planning on going abroad once during the year, this is often the best option. However, if there is a chance you may go away again, a multi-trip policy may work out more affordable overall, and it can also be more convenient, so check out all your options first.
2. Winter Sports Cover
Are you going on a skiing or snowboarding holiday? Then you will probably want to purchase a specialist winter sports policy. You can sometimes get this included on a single trip holiday insurance policy, but you may have to buy it separately. This will provide you with unique cover related to these activities.
The same is true for any extreme activity - even if you don't think it is that extreme! Always check which activities are covered before doing anything overseas, because if you don't have the right cover, you may find that you are not insured if something goes wrong.
3. Pre-Existing Medical Conditions Cover
If there is a chance you have a pre-existing medical condition, make sure you get the okay from your insurer first. They will often ask you to answer some medical questions and you may find that you are covered after all. However, if you are not covered, you may be refused cover, or you may have to purchase a specialist policy. Don't take any chances, though, because you could end up without medical cover when you most need it.
4. Backpacker Insurance
If you are going away for a long period of time, you may want to take out a specialist backpacker or gap year policy. These are available from many companies when you are looking for single trip holiday insurance, and it may be a more affordable option. It may also be more convenient, because it is especially designed for longer trips rather than short holidays.
5. Family Policies
If you are going on a family holiday, always look for family policies. You may be able to get everyone covered for less than the cost of insuring separately, and it can also be more convenient.
Get the Right Cover
Whether you decide to buy single trip holiday insurance, multi-trip cover, a family policy or any of the other options, make sure you carefully consider your options first. You don't want to purchase a policy that you later find is unsuitable, so always read the details carefully and ask if you are unsure about anything. That way you can relax and enjoy your holiday knowing that you are fully covered for every eventuality.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip holiday insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.




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What is the Difference Between Travel Insurance and Trip Insurance?

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Many times I have had clients ask me, when should I purchase Trip or Travel Medical Insurance. What's the difference?
There are, of course, major differences that is why they are normally purchased for different reasons. Understand that the Benefit descriptions here are really short so be sure and read the full Benefit information of any plan before you decide that it's the one for you.
Trip Cancellation: When your trip is cancelled due to reasons out of your control.
  • Trip Insurance: Payment is based on the cost of your trip, typically up to $20,000
  • Travel Insurance: No Benefit
Trip Interruption: When your trip is cancelled due to reasons out of your control.
  • Trip Insurance: Payment is based on the cost of your trip - usually the amount of your trip
  • Travel Insurance: Pays to return you to your area of principle residence up to some amount, typically $5,000
Travel Delay: Lost or stolen passport travel documents, or money medical quarantine natural disaster your injury or illness or that of your travel companion
  • Trip Insurance: Up to $500 per insured person
  • Travel Insurance: No Benefit
Baggage and Personal Possessions: Damage to, loss of, or theft of your checked or stored baggage by a common carrier
  • Trip Insurance: Also while stored with your hotel. Typically will pay up to $1,000 per person
  • Travel Insurance: Usually pays much less per person maximum
Baggage Delay
  • Trip Insurance: Will pay some amount typically up to $100
  • Travel Insurance: No Benefit
Emergency Medical/Dental Expenses
  • Trip Insurance: Up to some specified amount usually something like $10,000
  • Travel Insurance: Up to policy maximum
Emergency Medical Evacuation/Repatriation: Reasonable expenses for evacuation to the nearest adequate medical facility
  • Trip Insurance: Typically up to $20,000
  • Travel Insurance: Up to a much higher amount than trip insurance, something like $500,000
Emergency Reunion or Return of Mortal Remains: Will pay for return of dependent child or grandchildren, transportation and lodging for a family member to be at your bedside
  • Trip Ins.: Typically will pay up to $3,000
  • Travel Ins.: Will pay typically up to $50,000, much higher than trip insurance
Common Carrier AD&D
  • Trip Insurance: Up to some specified amount typically $100,000 per person
  • Travel Insurance: Up to some specified amount typically $50,000 per person with a maximum of $250,000 per family
What does all of this really mean? Well, it looks like the Insurance specifically designed to protect your Trip investment (airline tickets, cruise tickets, hotel costs, etc) is better than Travel Medical Insurance which doesn't cover any of this.
If you are concerned about your $5,000 investment in your vacation this summer you can purchase Trip protection for approx 4%(based on age of 0-49) of the cost. That's $200 to protect our investment, not a bad deal.
At the same time if your trip is delayed you have some protection against that too. Really handy for things like Iceland volcanos, earthquakes, airline worker strikes or sudden outbreaks of terror activities in the country you had planned on visiting. For these 3 possibilities, trip cancellation and trip delay protection is well worth the money.
However, remember that Trip Insurance, like all insurance, must be purchased prior to something happening, so it's best to get it quickly after paying for you trip.
W K Vandiver is the owner of a number of Travel Insurance and Global Medical Insurance websites.
For further information about Travel Insurance please visit our website.
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Travel Insurance for Family Trips - FAQs

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Here are some FAQs on the subject of travel insurance for family trips.
Is this cover still needed these days with the EHIC?
The EHIC (European Health Insurance Card) is very useful and it's free. It entitles you to free emergency health treatment in a member state to the same level as that which would be available to a local citizen. However, remember that its cover is not total. It won't cover certain forms of treatment categorised as 'non-emergency', or ancillary expenses such as air ambulance repatriation, or the costs of your relatives staying with you. Of course, the EHIC is not recognised outside of Europe.
Can I get cover for a period of time or just one-off holidays?
That depends upon your insurance provider, but travel insurance for family trips is typically available in either specified-duration (usually covering a break) or it might be possible to obtain annual cover if you and your family travel regularly. You may find that if you do travel several times a year, some form of annual cover might be most cost-effective.
Could some family members be excluded from cover?
Depending upon your provider, yes, that might be a possibility. Some policies might exclude people above a certain age or those suffering from serious pre-existing medical conditions.
What about certain destinations?
It might be the case that an individual policy provider decides the risks of visiting an individual country, or perhaps a region of a country, might be unacceptably high. If so, that will usually be clearly highlighted. Pay close attention if you are in some parts of the world and close to the border of a country that your policy does not cover. If you cross the border, accidentally or intentionally, you may risk invalidating your insurance protection.
Will a policy cover me for all risks?
That's perhaps unlikely. All policies carry terms, conditions and some exclusions. You should read these very carefully before deciding whether or not a policy's provisions are suitable for you.
If I claim, will I be investigated?
This is something of a misconception and something that sometimes causes concern to legitimate claimants. The fact is that, unfortunately, fraud is far from rare and companies are obliged to perform certain largely routine checks when a claim is lodged. This is partly to ensure the legitimacy of the claim and partly to ensure the circumstances are covered by the policy.
Contrary to some urban legend, reputable providers never approach a claim initially from the perspective of trying to find reasons to reject it. To the contrary, their sole objective is usually to try and resolve the claim to the policyholder's satisfaction as fast as possible.
How can I keep the cost of my cover down?
There are a number of options you might have including selecting a higher excess if your provider allows for such. Above all though, when looking for travel insurance for family trips, remember to shop around and compare quotations.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies including annual, multi-trip, single-trip and travel insurance for family holidays. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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Comparing Travel Insurance for Family Trips

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Travel insurance for family holidays used to be a one-stop shop at the travel agents. Nowadays the industry has changed beyond all reckoning, but the ease with which you can now book online and buy your policy is better than ever.
Taking 20 to 30 minutes on a comparison website, enables you to consider the best options for cover, the excess and the quality of the provider. While the choice of policies on the market today may be mind blowing, why not consider these useful tips that will enable you to work more efficiently in choosing the best cover for your holiday?
Decisions, decisions
Probably the hardest part of choosing travel insurance for family holidays is considering what policy works best for you. Providers have a gamut of options from single trip to annual multi-trip policies, so thinking ahead may well help. If you're likely to embark on two holidays in a year, then an annual multi-trip family policy may work better in the long run.
Shop for the best
The Internet can truly offer the best travel insurance for family holidays, as long as you are prepared to shop around for the best deal. Comparison websites offer a multitude of options and can take much of the hard work out of looking for that elusive policy to fit your family's needs.
Limits can work
Limits - be they financial or geographical - can provide for cheaper cover. For example, you can stipulate only European or the specific part of the world you are travelling to rather than opting for worldwide cover.
Don't be tripped up
While limits can be a positive in driving down policy prices, the reverse is true in that you will need to look at the excess coverage - too high and you could be left out of pocket - and age and medical conditions may well work against those looking for comprehensive cover.
Declare everything
With most family holidays there will be a huge amount of high-tech gear in tow. Whether it be Ipads, laptops, cameras or mobile phones, it is important that travellers declare valuables, including jewellery, to ensure a claim can be made legally and smoothly if the item goes missing or is stolen.
Don't be too adventurous
Checking online for travel insurance for family holidays enables you to discover in real time what risky activities - such as scuba diving, rock climbing, water rafting - are covered by a chosen provider. Even innocuous pursuits can be deemed too adventurous for the policy provider, so always check for a safe and secure holiday. And if in doubt, just pick up the phone or email them to clarify matters.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance for family groups as well as annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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Travel Insurance Policy, Why Do You Need It

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Travelling may mean holidays for some or business meetings for a few; every person who travels whether it is within the boundaries of his nation or foreign land should be equipped with travel insurance. If you always take the safest routes and take the best of precautions against uncertainties and feel you do not require a travel cover and feel it is just an added expenditure then you need to think over it again. Below mentioned are a few reasons that will tell you why you should give yourself and your loved ones travel coverage every time there is travel involved.
Natural disasters: The weather across globe isn't the same always, with earthquakes, floods etc hitting countries every now and then it is impossible to predict what course nature will take any moment. If during your travel, you come across any such unexpected incident, the only option for you to do would be wait until things are settled and arrangements are made for your safe return. If you have a reliable travel insurance cover it will take care of your expenses during such hard times and will also act as medical travel insurance if the need arises. However well planned your trip and foolproof your budget may be such incidents can make things haywire for you. Therefore, having a sufficient coverage policy for your travel is a must.
Unexpected accidents: You are on your way to meet that important client for whom you travelled so far and suddenly a car hits you. What do you do in such a case? In foreign land where you will not have even the slightest of idea where can you rush during medical emergencies, it is obvious for you to be left all alone. If you have a travel insurance that covers you against accidents there will always be an assurance of quick and efficient treatment during such medical emergencies. The insurance holder becomes the responsibility of travel insurance company when he is travelling and thus the provider makes sure the best possible arrangements are made. It is always better to stay on the safe side and a travel cover provides you just that.
Loss of baggage: Loss or theft of baggage and important belongings can happen to anyone. Imagine your important documents along with your passport are lost; without a passport it is difficult to survive in another country. To reduce your worries and help you out, travel insurance can be a great companion. An important part of travel coverage includes loss of baggage and passport too so that your travel is made hassle-free.
Looking at the above mentioned instances that you can encounter during your travel, by now you might have been convinced that uncertainties can hit you anywhere. One of the effective precautions you can take to avoid them is to opt for travel insurance.
A reliable Travel Insurance cover can keep you well prepared to deal with uncertainties if at all they strike you. To know more about Travel Insurance companies, visit us here.
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