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This past year has been an unexpected and wild ride—mostly experienced at home. As we close out 2020, you may be looking forward to packing a suitcase and getting the heck out of there.
Travel insurance is a good way to get reimbursed for your trip costs if something unexpected affects your travel plans. If your trip is abroad and/or expensive, buying travel insurance is a no-brainer.
Here are top tips to help navigate to the right travel insurance plan.
Consider Your Destination
The first travel insurance tip is a simple one: Consider your destination.
There is no one-size-fits-all approach to travel insurance. Your destination and itinerary will play a significant role in determining how much coverage you’re going to need.
The key to saving money is to purchase what’s necessary for the trip and not add options that you won’t use.
For example, if you’re traveling with children, you may want to bulk up on medical benefits in a travel insurance plan.
Or let’s say you’re booking a multi-country expedition with an exhaustive itinerary that includes multiple sightseeing tours and travel connections. It’s a two-week bucket list vacation that you’ve been waiting for.
And even if you’ve been painstakingly devising your trip plans down to the very last detail, the reality is that there is so much that could go wrong and beyond your control. For example, a missed connection in London could derail your sightseeing tour in Rome. And what happens if you slip and break an ankle on a cobblestone street in Paris?
For a big trip like this, consider a comprehensive travel insurance plan that covers all your bases. This could include insurance that covers baggage, missed connections, cancellation, prepaid trip expenses (like sightseeing tours or museum passes) if the trip is interrupted, and travel medical insurance if you get hurt or unexpectedly ill.