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Travel Guide

Travel insurance tips and tricks for your next holiday

When traveling the world these days, it is always a good idea to take out travel insurance, just in case something should go wrong.  Just the thought that you could be affected by crime somewhere in the world, or lose your luggage and other belongings, or possibly even have an accident while driving in a foreign country, should be sufficient to remind you to take out that policy, ensure peace of mind and have a great holiday.
Whether seeking travel insurance cover for over 65's, for middle-aged travelers or for younger go-getters, it is the best way to go, but how do you go about getting the best and most economic cover for all eventualities?  Letís face it, you need to have some money left over to enjoy yourself while you are away!  The following are a few tips to get you on your way.

Annual Cover:

Are you one of the lucky few that gets to travel several times a year?  If you are, then instead of taking out individual policies for each trip, while not go for a far more economical annual cover?  This takes the headache out of the whole process and the only potential drawback is that in most cases, annual policies only cover trips of up to 31 days each, so no heading off like a nomad into the desert indefinitely ...

If you, like most of us, only travel occasionally and buy single trip travel insurance policies, this can work out to be expensive.  However, like everything in this world, it pays to shop around for the best deal Ė donít just take the first one that comes along.  Sometimes your travel agent might be thinking of his own commission, and your airline might also not offer the best deal, so try the price comparison sites online for the best deal.

Photo: CC-by-SA Sigismund von DobschŁtz
Photo: CC-by-SA Sigismund von Dobschütz

Medical Cover:

On the medical side of things always think ahead, particularly if you have a pre-existing medical condition that could potentially become a problem while traveling.  Be honest upfront when purchasing your travel insurance and while you may be charged a small premium for certain medical conditions, honesty is, as always, the best policy, as without it, you might find that future claims are null and void.
Photo CC Pietervisser
  Photo CC 3.0 Pietervisser
Extreme Sports:

Travelers to South Africa might very well be planning on getting involved in some of the many and varied extreme action sports available in the country.  Whether its diving with the great white sharks in Gansbaai, bungee jumping off a bridge, mountain climbing, scuba diving or even white water rafting, always ensure that you are adequately covered for the type of risk you are about to take.  This will give peace of mind while you are busy enjoying your adrenaline rush!

Group Travel:

One aspect a lot of people donít think of when planning their trip is cover for an individual or group.  If you are traveling in a group of friends or with family members, consider buying joint cover, rather than individual policies, which will definitely save you some money.

So, while planning that next holiday or weekend away, think ahead, shop around and get the very best deal for your safety, peace of mind, and your pocket.  And most important of all, have a great trip!

Travel Guide


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Latest Update: September 28, 2016