There’s nothing quite like the feeling of discovering – or rediscovering – a new part of the world. Travel presents the opportunity to expand your horizons, offering a fresh perspective. Whether visiting a remote village in Japan or the lively streets of Kolkata in India, jumping in feet-first to a new place can lead to pleasant surprises and experiences that live in your heart and your mind for a lifetime.
Such travel experiences don’t come without risks, but with risk comes a reward — and the reward of traveling is immense.
Creating great travel experiences starts with adequate preparation. In addition to researching the best hotels, activities and restaurants, travel insurance can complement your trip prep with a little peace of mind. Knowing you’re covered when things don’t go your way – such as unexpected trip cancellations or lost luggage – can ease your worries, so you can focus on enjoying your trip.
Our travel insurance expert, Vicky Brulotte, is passionate about helping clients find the right travel insurance for their needs. Her favourite part of the gig? “Talking with clients, they’re amazing!” she says. To help you prepare for your next trip, here are Vicky’s top tips for understanding and choosing travel insurance.
4 Tips for choosing travel insurance
1. Travel insurance issued through your credit card may not be adequate.
Many credit cards offer their clients travel insurance. This option is typically an add-on to a bundle of other perks and is not tailored to your specific needs. Depending on the person’s age and medical condition, they may not be eligible or may not receive adequate coverage. Read the fine print of the travel insurance policy offered through credit cards to ensure you have the coverage you need. Speak to your travel insurance advisor if you have more questions about your credit card’s insurance policy.
2. Keep an eye on your health.
Travel insurance includes health insurance for while you’re in transit and during your travels. Insurance policies typically include provisions around your current medical condition and offer coverage based on your needs. If you have pre-existing conditions, you’re typically covered for doctor visits and medications related to these, however, pay attention to any new symptoms that occur — especially in the three months leading up to your trip. Speak to your travel insurance advisor for guidance on which policy would be best for your medical condition.
3. Start your travel insurance the day you travel.
A common mistake is starting your travel insurance on the day you arrive at your destination, not the day you’re travelling. By making your insurance policy effective the day you travel and the day you travel home, you will be covered for any issues that can occur during transit.
4. Work with an insurance broker.
By working with an travel insurance broker like NFP, not only will you get to work with an experienced travel insurance expert, but you’ll also get access to rates and custom packages offered by a variety of carriers so you can compare and find the best policy for you.
Whether you need medical coverage, trip cancellation or interruption coverage, finding the right travel insurance policy is a conversation away. With a packed suitcase and a tailored travel insurance policy in hand, you’ll be set to discover a new pocket of the world that’ll surely enrich your life with culture, beauty and memories for life. Request an online quote today or call us at 1-844-811-1118