It is always important to consider getting travel insurance when planning your next trip. Travel insurance gives you the peace of mind needed when unexpected situations arise. When purchasing travel insurance, you should first assess what type of trip you are going on and what your travel needs are. For international travel it is important to ensure your selected plan has sufficient medical coverage and emergency evacuation. Adventurers should check their insurance plan also covers high-risk activities, such as hiking, scuba diving, etc. Make sure to review the exclusions in the policy clauses to understand what is not covered in the policy. Note that some basic plans might not cover cancellations and lost baggage.
Once you know what you need from travel insurance, you should compare providers and plans to find the best value given you level of coverage required. At this stage you should review online insurers’ market comparators to compare prices, coverage limits, reviews of last user experiences, etc. It is important that your selected plans have 24/7 emergency assistance and quick claims and reimbursements processing/feedback, since this can help with alleviation of stress when something bad occurs. I would suggest to never select only on price, however if you find a reputable provider with good customer service, that is better than a low priced provider.
Finally, consider add-ons or upgrades specific to your trip. If you are travelling with high-value equipment, such as camera gear or laptops, look if it can be insured separately. If you plan to travel frequently, you may get better value with an annual all trip policy. By thoroughly researching the market and getting your head around different policies, you will be able to find travel insurance that suits you, and ensures that you can concentrate on enjoying your trip.