Just as health insurance is a prerequisite for a comfortable life back home, anyone traveling for any reason could benefit from investing in travel insurance. Unfortunately, just as even the costs of never-used home health insurance can creep up if you don’t do your research, ill-informed travel insurance could see you paying a not-so-small fortune for even irregular travel close to home.
Too many people let this fact put them off seeking travel insurance in the first place and, a lot of the time, that ends up being a mistake that costs significantly more in the long run. Luckily, there are ways to affordably get the insurance you need. Keep on reading to find out what they are.
# 1 – Consider your trip with insurance in mind
While it would be madness to plan a trip around an insurance plan, it is always worth considering the practicalities of your trip with insurance in mind. Perhaps most importantly, it’s worth remembering that insurance can almost double if you travel for two weeks instead of one. Equally, locations like Canada and The Caribbean are notorious for high insurance costs. By taking these factors into account, and perhaps taking shorter trips to high-cost areas, you can at least make travel, and adequate insurance, easier to come by.
# 2 – Address all outstanding health requirements
If you have standard health insurance, it should come as no surprise to you that any existing health complaints are both unlikely to be covered by a travel policy that you’re putting in place now, but that they also stand to send your premiums soaring. To avoid this, it’s worth always getting outstanding complaints, and even overdue annual appointments with your dentist, doctor, or whoever, over and done with before you go on the insurance quest. You can certainly bet that paying a dental filling cost upfront in advance will be way less costly than risking an application for travel insurance if you haven’t been to the dentist in three or four years! Instead, make sure that you’re starting on a clean slate for the lowest possible costs, and the highest levels of coverage to boot.
# 3 – Go annual
For travelers who like to head off more than one or two times a year, single-trip policies are also an incredibly expensive way to ensure protection. By comparison, the admittedly steeper upfront costs of annual policies offer a favorable way to stay safe and save money. Spanning 12 months, an annual policy could save you for every single trip that you take in that time, as well as meaning that you don’t have to worry about extensive insurance paperwork when you’re already busy getting excited and packing your bags!
Travel insurance can feel like an extra cost that you’d rather not deal with, but complete coverage for healthcare while abroad is essential in case the worst happens. Make that pill a little easier to swallow by implementing these money-saving tricks for insuring your next trip and every one after it!
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