Travel Guide – Travel Insurance – What to Look For

Things to look for

Look for good country cover, particularly at the current time (early 2005), where policies sometimes do not include Thailand or other countries affected by the South East Asia Tsunami. Make sure that the activities that are covered include things like hitchhiking, hiking and if you foresee it – scuba diving, bungee jumping, normal team sports.

Don’t always look at the headline figures – what are the chances of you need $1 million legal expenses? Much lower than you claiming on baggage lost in the airport.

If you are taking specific expensive items such as laptops and cameras, finding a general purpose travel insurance package that covers these items will be difficult. Make a decision here: get some quotes for specific insurance for these items, work out the cost of replacing the item – and choose whether or not to buy the often high premium or cover the cost of a potential replacement yourself.
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Travel Guide – Travel Insurance – What to Look For

Things to look for

Look for good country cover, particularly at the current time (early 2005), where policies sometimes do not include Thailand or other countries affected by the South East Asia Tsunami. Make sure that the activities that are covered include things like hitchhiking, hiking and if you foresee it – scuba diving, bungee jumping, normal team sports.

Don’t always look at the headline figures – what are the chances of you need $1 million legal expenses? Much lower than you claiming on baggage lost in the airport.

If you are taking specific expensive items such as laptops and cameras, finding a general purpose travel insurance package that covers these items will be difficult. Make a decision here: get some quotes for specific insurance for these items, work out the cost of replacing the item – and choose whether or not to buy the often high premium or cover the cost of a potential replacement yourself.
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