When travelling abroad, it’s crucial to have full coverage in your insurance policy; this can make the difference between assuming that you have enough cover, and actually being able to protect yourself against unusual circumstances that require a claim. You need to make sure that comprehensive travel insurance policies don’t have any exclusions that will make them unsuitable for your trip. Definitions of what counts as comprehensive travel insurance can vary quite significantly between countries, so ensure that you go through the terms and conditions of providers such as Direct asia before signing up to a new policy.
What Does Comprehensive Cover Mean?
In terms of what full cover means for travel insurance, you need to make sure that you’ve broken your policy down into essential medical and theft cover, as well as into cover for lost luggage and any problems with your travel company. Some other essential forms of cover that you should have can include 24 hour emergency services, and cover against third party liability if you’re involved in an accident and have to pay legal fees.
Depending on the travel insurance provider’s terms and conditions, you might want to expand your policy to include adventure sports and other extreme activities; these aren’t always included in policies that claim to offer ‘full’ cover. Activities that you might want to get cover for can include skiing, deep sea, diving, and bungee jumping. In the same way, you should make sure that you understand what your insurance provider defines as ‘acts of God’ and natural disasters.
How to Check a Policy
Before taking out your insurance, you should go through a policy in detail using a provider’s website; you can typically find out what levels of cover are available by taking this approach, while also seeing whether you can pick up direct insurance without going through a broker or other intermediary. Skipping a middleman can be particularly useful if you want to gain a more tailored policy that includes detailed riders and other unusual forms of cover.
Moreover, it’s crucial to find out whether full cover insurance has any specific exceptions for families or people over a certain age. Providers might also offer different levels of excess for their policies, as well as a range of tiers that you can choose from when working out your premiums. Check to see what the maximum liability an insurer is willing to pay, and whether payments are in lump sums or not.
To this end, it’s important to never take a comprehensive travel insurance policy for granted as being comprehensive until you’ve gone through as many details as you can; this means comparing websites and adverts to see what kinds of quotes you can receive. Speaking directly to an insurance company can similarly help you to work out any ambiguities over particular parts of a policy.
