| Travel Insurance - what you should know |
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Take a look at things you should look for when buying a travel insurance policy. Travel Insurance is that one travel-related purchase that everybody hates paying for. Air tickets, although far more expensive, muster a sense of excitement to the point that you can skip out of the travel agent shouting "yippee!" Travel insurance, on the other hand, is a pain that many people try and avoid, but having a good travel insurance policy for your trip could save you big bucks in the end. The chances of needing to see a doctor a few times, damaging your camera or losing your iPod on the beach are probably relatively high on an extended trip, so a decent travel insurance policy could come in handy. And that's without considering the prospect of swimming with sharks in South Africa, riding mopeds in Vietnam or bungee-jumping in New Zealand. Things to look out for when buying a travel insurance policy are: - Does it cover specific adventure/high risk activities you are considering taking part in on your trip? - If it does cover specific adventure/high risk activities - what precautions does it require you to take for you to be covered (e.g. many insurance policies that cover riding on motorbikes and mopeds require you to have a full motorbike licence in your home country). - How easy/cheap is it to get extra cover for any high risk activities you weren't previously covered for whilst you are on your trip? - If you are planning to work during your holiday - will you be covered for the type of work you will be doing. Click here to our partner site for advice on travel insurance for working holidays in Australia. - If you decide to stay longer, will it be easy to add on extra time to the travel insurance policy whilst you are away? - If you decide to come back early - will you get refunded for your unused time? Some travel insurance companies that cater especially for the independent traveller: * Car or campervan insurance for backpackers - if you're heading off on a trip by campervan or car, make sure you get insurance to cover it.* World Nomads * Downunder Insurance. Travel insurance for travellers and residents in the UK, Australia and New Zealand. The cover ranges from basic to highly comprehensive, with affordable policies aimed at backpackers and gap-year students, but with cover available to travellers and holiday makers up to 55 years of age. More than 60 adventure sports are automatically covered, and they also offer a wintersports policy for skiers/snowboarders.
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