When planning your dream holiday, it is beneficial to prepare for any unexpected mishaps.
Travel insurance provides you with peace of mind, while also offering much-needed assistance should you encounter loss, delays or any medical emergencies.
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Here are a few tips to consider when taking out travel insurance:
The sooner, the better
Although you can take out your travel insurance at any time before your trip starts, it helps to take it out as soon as possible.
Take your time to research and compare policies in advance. This will help you to make a decision which is right and beneficial without feeling rushed.
Ensure that you thoroughly understand your policy
Make it a point to thoroughly read your policy. Become aware of its exclusions and limitations.
If you are aware of exactly what your travel insurance covers, you will find it a lot easier to relax and enjoy your trip. This will also prevent any unpleasant surprises when you need to make a claim.
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Declare pre-existing conditions
When arranging your travel insurance, it is important to disclose all your pre-existing health conditions. This also includes conditions or symptoms which arise after your insurance purchase but before you travel.
Most budget policies don’t cover pre-existing medical conditions such as heart problems. Familiarise yourself with the policy wording to ensure that you choose a plan that suits you and your needs.
Report incidents immediately
It helps to report lost or stolen items immediately. Often, your policy will provide specific timeframes for reporting (for example, 24 hours).
Familiarise yourself with your insurance provider’s emergency assistance service, and report incidents as soon as you are able to.
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