Top Considerations When Buying Travel Insurance: What to Look For

ravel insurance is an essential purchase for any trip, providing peace of mind and financial protection against unforeseen circumstances. However, choosing the right travel insurance policy can be a daunting task with so many options available. To help you navigate this process, this article will list down the top considerations when buying travel insurance and what to look for to ensure you are adequately covered.

How to Buy Travel Insurance Online: Factors You Should Not Miss

Planning to buy travel insurance, but not sure about how to choose among the multiple options in the market? Evaluate your options based on the following factors and gain more clarity on how to buy travel insurance online:

Coverage Types

The first step in selecting travel insurance is understanding the different types of coverage available. Common types include:

  • Trip Cancellation and Interruption Insurance: Reimburses non-refundable travel expenses if your trip is cancelled or cut short due to covered reasons, such as illness, severe weather, or a death in the family.
  • Medical Insurance: Covers medical expenses if you fall ill or get injured while travelling. This is crucial for international travel, where your regular health insurance may not be accepted.
  • Evacuation Insurance: Pays for emergency medical evacuations to the nearest appropriate medical facility or back home.
  • Baggage Insurance: Covers lost, stolen, or damaged luggage and personal belongings.
  • Flight Insurance: Offers coverage for flight-related issues like delays, cancellations, or missed connections.

Policy Exclusions

Understanding what is not covered by your travel policy is just as important as knowing what is covered. Common exclusions can include:

  • Pre-existing Medical Conditions: Many policies do not cover medical issues that existed before purchasing the insurance unless a waiver is obtained.
  • High-risk Activities: Activities such as scuba diving, skiing, or bungee jumping may not be covered unless you purchase a policy specifically including these activities.
  • Travel Warnings: Trips to destinations with government-issued travel warnings may not be covered.
  • Alcohol and Drug-related Incidents: Claims related to incidents occurring under the influence of alcohol or drugs are often excluded.

Policy Limits and Deductibles

Policy limits refer to the maximum amount the insurance company will pay for a covered claim. Deductibles are the amounts you must pay out-of-pocket before the insurance company starts to pay. When evaluating policies, consider:

  • Medical Coverage Limits: Ensure the policy provides sufficient coverage for medical expenses, especially if travelling to countries with high healthcare costs.
  • Trip Cancellation Limits: Verify that the trip cancellation and interruption coverage equals the total cost of your trip.
  • Deductibles: Higher deductibles typically lower the premium but require more out-of-pocket expenses in the event of a claim. Choose a deductible you are comfortable with.

Provider Reputation

Not all insurance providers are created equal. Researching the reputation of the insurance company is crucial. Look for:

  • Customer Reviews: Read reviews from other travellers to gauge the company’s reliability and customer service.
  • Claim Process: Understand the process for filing claims and how quickly claims are paid. A cumbersome claims process can be a significant hassle in an already stressful situation.
  • Financial Stability: Ensure the provider is financially stable to pay out claims.

Emergency Assistance Services

24/7 emergency assistance services can be invaluable during a crisis, providing help with:

  • Medical Referrals: Assistance in finding a nearby medical facility or specialist.
  • Emergency Evacuations: Coordination of emergency medical transport.
  • Travel Arrangements: Help with rebooking flights, extending stays, or arranging alternate transportation.
  • Lost Documents: Assistance in replacing lost or stolen passports and other important documents.

Customisable Plans

Many insurers offer customisable plans that allow you to tailor the coverage to your specific needs. Consider if the policy:

  • Allows Add-ons: Can you add coverage for high-risk activities, rental car damage, or travel delays?
  • Flexible Terms: Can you adjust the coverage amounts or deductibles to fit your budget and risk tolerance?
  • Annual Policies: If you travel frequently, does the insurer offer annual policies that cover multiple trips within a year?


Compare quotes from multiple insurers to ensure you are getting a good deal. Remember to:

  • Compare Coverage: Ensure you are comparing policies with similar coverage and limits.
  • Look for Discounts: Some insurers offer discounts for purchasing multiple policies, being a member of certain organisations, or booking through travel agencies.
  • Assess Value: Consider the overall value of the policy, including the coverage, services provided, and reputation of the insurer, not just the price.

To Sum Up

Purchasing international travel insurance is a critical step in planning a trip. By understanding the different types of coverage, policy exclusions, limits, and deductibles, and researching the reputation of providers, you can choose a policy that best fits your needs. With a travel policy from companies like Niva Bupa, you can enjoy your travels with the confidence that you are protected against the unexpected.