In choosing travel insurance, there are some things to avoid. This can affect the selection of insurance as well as the benefits your travel insurance makes. This article will provide information on what things to consider when choosing travel insurance.
All travel insurance has one purpose, namely to protect your trips to be smooth and safe because the problem can occur anytime and anywhere, not least during the holidays. In such an unexpected situation, travel insurance becomes a very useful option.
Just like choosing insurance in general, choose travel insurance also should not be arbitrary. You need to choose exactly and avoid some things in order for the insurance to suit your needs and abilities. In addition to insurance, investment is equally important in one’s financial planning.
Things to Avoid in Choosing Travel Insurance
Here are some things to avoid in choosing travel insurance, namely:
1. Not Consulting In the past
Travel insurance products have a variety of types with different costs and benefits. Each company also has its advantages and disadvantages.
For that, you should consult with a travel insurance agent in order to get the right product. An insurance agent can help you build illustrations about insurance schemes that will be tailored to your abilities and needs. Through this scheme, you will get a big picture of the costs you should spend as well as the benefits you can receive.
2. Not Knowing the Benefits of Insurance Clearly
Mistakes in choosing insurance benefits are very common, for example you generalize that all insurance is the same and buy travel insurance that can only be used for domestic travel.
Mistakes in choosing insurance are usually caused by lack of information. As an insurance user, you should be an active user, actively inquiring and finding out as much information as possible.
3. Unknown By Family
This is often underestimated by every insurance user. Many parents also buy insurance products for their children and do not provide information clearly.
Providing information to your family about what insurance products you have and what benefits you are entitled to is what you should do.
Never buy insurance without the knowledge of the family, because if there is a disaster that befell you, then the family will be the representative of the receipt of rights in your insurance. By providing clear information, your family members can receive all the insurance.
Things to Know Before Choosing a Travel Insurance Product
Once you know some things to avoid when choosing travel insurance, here are some things you should do in choosing travel insurance:
1. Type of Protection Offered
Each insurance product has a different protection, some of which are also comprehensive. As a good insurance user, it is your duty to know clearly what kind of travel insurance you have or you want.
2. Wide Insurance Coverage
Before you choose insurance, you need to know how much coverage the dependents provided by the insurance. There are some insurance companies have exceptions in their dependents, for example not willing to bear the accident or disease due to extreme nature tourism.
3. Protection Time
Time protection is crucial in travel insurance. You have to know how much protection time the insurance provides. This time is very diverse, there is a short example for only 1 week, some are up to 3 months.
4 Premium Price
In choosing the right travel insurance, one of the main considerations is the premium price. Premiums are costs that you must spend in order to receive benefits from the insurance. Usually travel insurance has a premium price that tends to be small.