You often travel? More wise if you protect yourself with travel insurance.

There are a variety of unexpected events while traveling, for example, a bag stolen, delayed flights or health problems that suddenly come.

Travel insurance helps cover the risks and compensates policyholders for losses incurred due to unexpected events during the trip.

Although it is not a must have travel insurance for domestic travel, it is advisable to have when traveling abroad.

There are a variety of travel insurance products available in the market, you just have to find which one is most appropriate.

Here are 5 things that must be evaluated before purchasing travel insurance policy:

1. Researching Coverage

While all travel insurance policies look the same at first glance, details regarding any clauses that are covered and not covered could make a big difference.

For example, despite all the policies in general offer emergency medical expenses, the details of what is covered, a great benefit coverage and exclusions may vary.

Compensation for flight delays, lost baggage and loss of documents generally covered by most policies.

On the other hand, compensation for death or disability due to an accident may not be offered by all policyholders. Accident compensation is important, especially if someone is undergoing an adventure holiday.

It is recommended not only purchase a policy with maximum coverage, but it would be better if adjusted to the condition of each individual.

2. Scope of Interest

Travel insurance companies may offer a policy that has global scope or coverage was only a specific geographic area.

Choose a policy with global coverage is always more secure, because there is no risk of rejection. However, there may be sub-clauses and exceptions to this.

Similarly, when traveling to areas considered high risk, premiums may be higher and may also be more stringent restrictions.

3. Duration Coverage

Travel insurance policy can only apply for a single trip or more than one trip in one year.
Frequency of trips you make will be influential in determining the right policy choice. Check also how the day duration abroad are covered in the policy.

In anticipation of longer travel time than planned, it is better to choose period slightly longer than planned.

Check if the policy offers an extension features in terms of an extended duration of the trip. This feature can help save on premiums.

4. Broad Coverage

In addition to what items are covered in the policy, you should also check how much limit which each item.

For example, a policy could have a maximum coverage for lost luggage at 5 million or health protection coverage up to 100 million.

Evaluation of a suitable policy for you and that offers maximum protection level.

5. Health Conditions

Insurance companies generally do not bear a health condition that existed before.

Although health conditions seem favorable hide that has been experienced before, when there is a claim, the insurance company could have asked for details of medical history that actually resulted in the claim is rejected.

Therefore, it is recommended to disclose all the details of health at an early stage with the actual order to avoid rejection of the claim.