When looking for travel insurance reviews, note the following questions:

1. How does the company treat customers?

2. Are the claims paid promptly?

3. Do they solve problems in time?

4. How much is the % of the co- insurance and co-payment?

5. Pre- existing conditions.

6. What are the travel insurance exclusions?

How to choose the best travel medical insurance? First of all read company reviews on forums from those people who already had cases of getting payment after some illness, accident or injury. Just purchasing the policy and getting back home save is not enough, who knows what would happen and how the company would treat in case of an accident? Secondly, choose only trustable companies who have ratings, reviews and are years in this market. International insurance sometimes needs better policies than state limits put by the government. 50 000 dollars is the maximum for a specific illness or injury, though continued treatment maybe higher. Long benefit period is better.

As a conclusion would like to say, that some companies even help in finding doctors or  hospitals for treatment abroad, when you have some non- urgent case, with who have have better  agreements and where you will be treated better.

As compare to a usual travel insurance, policy for students also includes winter sports like skiing and snowboard. Students often participate in winter sports, so as compare to a usual coverage this will be more healthier for you. In this case policy will cover not only participating in winter sports but also any equipment that you rent or bring with you will be covered. Even if your ski plans will be ruined by bad weather conditions it will be covered!

Benefits of single trip travel insurance. Medical expenses, baggage and personal belongings lost, trip cancellation will protect your vacations and save your money. In general, single trip travel coverage is advised for travelling overseas and can be equal to  international student one.

In any way, though you are a student, you age may differ ( policy for students usually is valid up to 45 years) and your trip type may differ too. As I have said before. It is not a must to buy a policy for students, if you can not find cheap offers. Just compare it with other types.

Main word is ‘online’. Do not be lazy and check some  companies who allow to get quotes online. After you find some cheap offers, then all you need is to check their policies. Why checking policies? Cause willing to make quotes cheaper companies just have more travel insurance exclusions and you must know them before you purchase. Even backpackers policy  with additional covers maybe cheaper than student’s one.

How to save some money?

1. Check your claim for baggage loss. Higher the claim- more expensive it is. Maybe you should not carry some expensive clothes and others personal belongings with you overseas.

2. Winter sports are charged also. Check the policy for sports and choose which ones you need and which ones you do not. Travelling worldwide for 1 year is a great experience and chance to feel adventures for every student. Sometimes adventure mean danger, so isure students  actually is a must.

To get the quote for senior travel insurance needs answering the following questions:

1. Will it be a single trip or multi trip?

 2. Destination of your jorney. Quote will differ depending on your travelling overseas, especially for long distances.

3. Transportation: air, train, bus or maybe it will be a cruise on a luxury ship. Transportation can affect health of seniors, especially by air. As for the cruise it is not easy too, cause usually in serious injuries or illnesses they will have to leave you in the nearest port and send back home to continue the cruise.

4. How long your trip will be. Companies usually offer 21, 31 and 45 days. ( Remember that sometimes it is better if your policy lasts longer than your trip cause sometimes you can be late because of some reasons).

5. Your general health condition. As for medical policies included in your travel insurance – check if evacuation is included is case you can not move after an accident or injury. It is also important if your medical expenses will be payed directly to the hospital, or if you pay first and then get money from your  company on your arrival home. Your medical expenses can be really high and maybe you will not have so much cash to pay all of them if something serious happen.

6. Are you doing sports? Sometimes ski is ok up to 68 years but mostly  companies do not cover extreme sports in over 65 travel insurance.

Any agency will ask these questions and upon them give you quote and cost of your coverage. If the price is important for you, it is advised to check quotes in other  companies. Cause even the company that you use all your life may have more expensive quotes that another ones. It is easy to check online quotes from other insurance companies before you buy one. Still, as your health and life is very important, check the policy carefully to be protected.

1. First of all check the  policy. When selling cheap travel insurance companies often ‘forget’ to mention what is included in the policy and what is not. Just think, if there are 20 people in your group and every person has it’s own activities and preferences. Ok, it is easy if you are looking for  coverage for a football match in another city. But it is different if you are going overseas by your large family, including your relatives and their cats and dogs. Everybody must be protected. First of all compare different policies and then choose. Maybe it is better to pay more sometimes but more cases, both medical and others will be included. Is that bad? Especially if there are children with you.

2. Compare the activities that are included in the  policy. Activities both can be related to sports and adventures. Ski, snowboard, diving are usually included in the  policy but other sports and activities that are not so popular may not be, so compare which  policy includes more activities.

3. Compare length  . For how many days this or that policy is valid? Group travel insurance length start from 12 days to 12 months. Do not forget that sometimes people may wish to stay longer,  sometimes you have to follow them, otherwise it is not a group any more, so it is better if your coverage lasts longer that your trip and your flight tickets.

Group insurance can save your money, but if you are not sure that it protects you enough as compare to an individual coverage  you can buy travel insurance for yourself.

Trip cancellation.  Flight can be cancelled not only because of weather or reasons of your family. The reason can be a air company itself. Some companies are trusted and land in time and some companies always have there flights delayed due to some technical reasons. Is the company that you fly with is responsible and trustable? Is there a chance that you can miss your other flight, bus or and other transportation if you travel transit? Or maybe you can be late to your business meeting because of flight delay. Do you understand how important it is to be insured?

Coverage. When looking for the cheapest flight insurance check the sum that will be payed in accident or cancellation cases? Will it cover the flight and will be enough for another one?

Card flight insurance. Before purchasing, check your flight tickets that you buy by credit card. Some credit cards offer flight insurance for free if you purchase tickets from them. But remember that this type of policy doesn’t include trip cancellation. Only accidents.

 Why flight insurance is a must? If you have it you will forget about thinking ‘ what if? ‘ What if there is  flight delay? What if the weather is bad, and so on. Especially it is very important when you change some types of transport during your travel. It is a usual thing when a traveller goes by plane, the he takes a bus to a smaller village that has no airport. And bus tickets are already payed so who will carry the responsibility?

1. Repatriation expenses.

2. Medical expenses. ( In case of hospitalization some policies include one family members expenses while staying near the injured).

3. Curtailment and cancellations.

4. Baggage, personal belongings and money lost.

5. Travel delay, missed departure and legal expenses.

6. Personal liability and personal accidents.

Additionally you can add some extra options like sports ( winter sports like skiing, snowboard, golf, diving and other adventure types of sports ), business travel insurance and support during your trip by insurance company.

It is possible to get the cheapest quotes, if you follow these rules:

1. Learn more about the country where you travel to, exactly if it is some exotic country. Make all vaccinations ( for example, if you go to Africa ), take sun cream to protect your skin and sunglasses to protect your eyes if you go to some hot country like Turkey , or Italy ).

2. Ask your family members if anybody is interested in adventures and dangerous types of sports. May be they will not do them at all ).

3. Compare different types of policies, cause it may be not only family but also, annual ( multi trip ) or single.

4. You can buy policy for your family in advance, it will help to get more discounts, but remember, that then everybody must be healthy before the departure.

5. Your children and senior family members must know that coverage only pays for accident but do not protect them from it. If you want your holiday to be nice and unforgettable, everybody must be aware of the cases that may happen to you on your vacations, especially if it is overseas.

When you are looking for the cheapest policy ( most of us do it )still note, that the following items must be included , only in this case you and your family will be protected well.

1. Cruise cancellation insurance. It includes cancellation of flight ( train or bus ) if it is included in the price of your cruise trip. ( we have mentioned in the previous article about cruise insurance that the quote is given depending on the cost of all the trip, not only price for cruise ship ). Illness, death, injuries are included in the policy. One more important reason for cancellation- bad weather conditions.  

2. Medical ( health ) insurance. Advantage of it is that if you have to leave the ship because of health problems and can not continue your holiday your trip cost will be covered!

3. Lost and damage of baggage or other personal belongings. 

Note, that it is purchased when you pay for the cruise.

Depending on number of days and extra transportation prices can go higher, but you should not think of how to reduce costs. Anything can happen on your way from home to port of your cruise ship. It is not the same like travelling by plane. There are some lucky people who live at the same city where the ship starts it’s trip. And even them one day will want to change their rout. A lot of tourists start their cruise in the train, bus or plane that bring them to the port, doesn’t matter if it is your country or overseas. You should be protected on every point of your trip.

Quotes  will differ depending on your insurance history, occupation, age and other factors. You can choose some packages with options ready included in policy or you can choose yourself what to include to the policy.

Travel insurance for business usually covers:

1. In case of illness or death of a family member trip cancellation.

2. Loss and delay of baggage and equipment.

3. Sports equipment ( for example for golf, ski and diving).

4. Documents and money loss.

+ other personal and medical expenses.

As compare to usual annual and single trip , insurance for business have some benefits.

1. Business colleague in case if you can not come is paid.

2. Annual business travel insurance include VIP lounge at the airport in case of returning for recommencement of your trip later dates.

3. Up to 60 days trip.

4. Winter sports.

5. Baggage declaration.

6. If your company has partners in travel agencies, then, booking with them can bring you more discounts for hotel reservations and car hire.

Anyway, it is always good to have business trip policy for your travelling. Be sure, your employer ordered it for you, or if you are self- employed, protect yourself, and especially, if you have to go with your family, make sure, your policy covers members of your family!

Policy is such a thing, where there never can be a certain price for their services. It is really easy to advertise on some website in the way like this: ” cheapest travel insurance “. But let’s think logically. Price of any insurance, doesn’t matter if it is trips, life, car or any other, differs depending on options, benefits, premiums and other extras included in it’s policy. So to be sure that this policy is the best and the cheapest, check both prices and policies. Do not worry, once you choose the best one you can use it all the time, especially, if you buy annual business travel insurance.

In which cases quotes maybe high or low? Quotes depend on:

1. Multi trip or single trip.

2. Country of your staying.

3. Period of your business trip.

4. Life and health ( medical ) coverage.

5. Value / hire of business equipment.

All of they may effect the cost of your business travel insurance and, if you are employee, and all you can do is to read  policy, still at least do that to know for sure what you are protected from and what is not included.

How to make business insurance cheaper?

Just take off some useless extras out of policy like winter sports, activities and adventures, which maybe included in to the policy. ( Maybe your employer has already done it, ha ha). Note: do not try to safe money on your family members health . Health of you and your relatives are the most important thing and it may affect your work and career so maybe it is better to pay more?