Purchase Travel Insurance Direct Online and Save
All direct travel insurance policies are different. Even though similar policies from the same insurer may look the same, each contains subtle differences that dictate what is covered and ultimately how much the policy costs.
That’s why it’s vital to read and compare, because just as all policies are different, so each person’s needs are different when it comes to direct travel insurance. Comparisons will reveal differences in limits of cover, excesses, exclusions and terms and conditions that can all affect how much cover you have and indeed, whether you are covered at all.
Even if you are using an insurance comparison site, you still need to carefully read the policies you are comparing, otherwise you could end up with a nasty surprise that could not only ruin your holiday, but possibly cripple you financially as well.
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Benefits of Direct Travel Insurance Comparisons
The three main areas of cover in most direct travel insurance policies are hospital and medical cover, lost or stolen luggage and trip cancellations and delays.
Of these, hospital and medical cover is always the most important to have, especially when travelling to countries with expensive health care systems or only basic levels of health care. Comparing travel direct insurance policies will reveal which has the higher limits of cover (unlimited is preferable), excludes certain pre-existing conditions or includes medical evacuation if required. Failing to compare and choosing a policy that is lacking in any of these areas could see you landed with a huge medical bill, if you were injured or became ill overseas.
As for lost or stolen luggage, this can be a common occurrence in countries with high rates of petty crime and a comparison of direct travel insurance policies will show you which has the higher limits of cover; something that is particularly important if you are travelling with expensive belongings such as cameras, laptops and mobile devices.
Trip delays and cancellations are common everywhere around the world and if you have pre-paid large amounts for flights, accommodation and tours, a comparison of policies will quickly show you if you will get your money back, should you be financially impacted by delays or cancellations.Back to top
Pros and Cons of Direct Travel Insurance
- Price. One big problem with buying your travel insurance through an airline or travel agent is that built into that cost is often a commission. In fact, some airline's build in as much as a 53% commission into travel insurance policies.
- Convenience. You can buy travel direct insurance from your home, which is a great time saver.
- Choice. The Internet has opened up a great amount of choice when it comes to direct travel insurance. Consumers can not go online and compare and contrast hundreds of potential travel insurers.
- Knowledge gap. One possible issue with direct travel insurance is a lack of knowledge and expertise on behalf of the consumer. This lack of knowledge can sometimes lead consumers to find themselves in situations where they are underinsured.
- Impulse. Because of the ease of purchase, some consumers may be tempted to go for the first policy they see rather than the policy that is most suited to their needs.
- Choice. This can also have a negative affect as the consumer is oversupplied with information and is unable to discern the best policy for them.
Direct Travel Insurance Discount Codes
One of the major benefits of using direct travel insurance is the ability to find discounts using coupon codes. But like anything, there are both pros and cons to consider.
- Discounts. There are huge savings that can be found by using travel insurance coupons and promo codes. Make sure you keep your eyes open before you buy your policy as you could end up saving big money.
- Access. It's always best, before you buy anything online let alone travel insurance, to do a quick search to see if there are any coupon or promo codes available. While this is a very simple and easy task to perform, you can save yourself heaps of money.
- Managing coupons. Keeping track of online coupons is far easier than paper ones. When you are planning a holiday, be sure to bookmark the links to the coupons you plan on using, to make the purchase process all the more easier.
- Built in costs. Some online realtors may build the discount of the coupon back into the cost of the policy.
- Level of cover. You may find that the coupons available are only for a basic policy, with the comprehensive policy remaining the same price. If you were after a comprehensive policy, don't just settle for the cheaper option because it may end up costing you a lot more in the long run.
How to Save on Direct Travel Insurance
One of the first things many people compare with travel direct insurance policies is price and, while this should never be the first consideration, it is important to know you are getting good value for money. The lowest price does not necessarily guarantee this however, so when comparing policies, you need to know that if you are paying slightly more, it is because you are receiving better coverage as a result.
Buying insurance direct from the insurer cuts out middlemen such as a travel agent or airline and can usually save you a lot on potential commissions and fees. Ways to save on travel direct insurance, while still ensuring you get the coverage you need.
- Shop around. Shopping around is crucial and where online comparison sites prove to be so valuable.
- Discounts and coupons. Taking advantage of discounts you can save on premiums by looking for cheaper alternatives such as group discounts, joint policies or multi-trip policies, if you travel more than once a year.
- Customise. Customising your cover some insurers will allow you to fine-tune your policy by removing cover for things you don’t need, such as extreme sports or rental car excess, if neither of these is on your holiday agenda.
What to Look for When Comparing Direct Travel Insurance
As with any insurance, there are a range of things to look for when comparing travel direct insurance policies. These include:
- Price. Does the cost reflect the cover being provided?
- Excess. Is the excess high in order to keep the premium low and if so, would you be able to pay it if you made a claim?
- Exclusions. Do these exclusions reduce the cover provided in your particular circumstances to an unacceptable degree?
- History. Does the insurer have good credentials, a strong industry rating, and a solid history of paying claims? Also, do they specialise in the type of holiday you are taking and are they easily contactable once overseas?
- Limits. The limits of cover is there enough cover provided in each area to pay all potential costs involved?
Direct Travel insurance Tips
As well as covering the basics when comparing direct travel insurance policies, the following are some useful tips to bear in mind regarding travel direct insurance in general.
- Always read the policy from cover to cover before you sign
- Always declare any pre-existing medical conditions
- Don’t leave it till the last minute to take out direct travel insurance. Apply early so you aren’t making rushed decisions and you have immediate cover for cancellations
- Take a copy of your travel insurance policy with you, so you can refer to it if making a claim while overseas
- Always heed government warnings on travelling to certain countries, otherwise you may not be covered
- Make sure you have the receipts for everything that is being covered, as they will probably be required when making a claim.
Compare Direct Travel Insurance Policies
All forms of insurance, whether home and contents, life insurance or travel insurance, are legal documents and as such, must be read and understood before you commit yourself in writing. And the best way to ensure you know what a policy contains is often to identify what it doesn’t contain, which is why comparing direct travel insurance policies is such a useful and necessary practice.Back to top