Picture lounging with a cool beverage in the sun-kissed Caribbean, swimming alongside playful dolphins in the Mexican Riviera or eating coconuts right off the trees in Tahiti. A vacation to a warm destination is the perfect respite from the everyday. However, before you pack your designer shades and suntan lotion, make sure that you have a good travel insurance policy.
Whether you’re taking a cruise or a plane to warm destinations, your travel agent can offer you a travel insurance policy. In most cases, travel agents have a relationship with an insurance company they work with regularly. But if you’re looking to find the best price and coverage for your dollar, you might want to research travel insurance policies online on your own.
With all the competition on the Internet, finding a great deal on a travel insurance policy online is one of your best bets. First, look at a comparison site that can help you look at various policies side by side. These websites will provide you with a list of options. They often display charts for visitors that compare the coverage offered, for example, personal baggage, missed flights or accident protection. You can also find information about deals on a travel insurance policy by going to your favorite review website. You may have gone to these sites to find user reviews on restaurants and hotels. They also post user reviews on travel insurance agencies or providers. A good idea is to go to a specific industry site. If you’re going on a cruise, there are cruise reviews from both critics and policyholders. Read through these carefully because, like any review site, an employee for the travel insurance agency can post a biased review about their company. If the review reads like a sales promotion, it often is.
Another place to find good prices on a travel insurance policy is where you’ll be lodging in your warm destination. If you’re staying at a hotel in the Caribbean, check with the hotel concierge. Concierges have access to multiple travel insurance providers, so they can be a good resource. There are also concierge websites online, but sometimes they require a membership fee. Check with the airline you will fly with; they often offer bundles that can save you a considerable amount of money.
Only get the coverage you need. If your health insurance policy covers you for personal injury protection on vacation, you can eliminate that from your plan.
Most of all, shop smart before you buy and enjoy protection on your vacation to warm destinations.
