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Identify the risks:<\/strong><\/p>\n <\/p>\n If you\u2019ve set your sights on a particular destination, chances are you would have some idea about the potential risks. A holiday in the Alps will most probably involve leisure activities like skiing or snowboarding, and an adventure into Africa could end with being diagnosed with malaria, so ensure you take out the right type of cover for the destination.<\/p>\n <\/p>\n Talk to your insurance advisor:<\/strong><\/p>\n <\/p>\n Most banks and travel agencies offer complimentary travel insurance when air tickets are purchased from them directly. This gives travellers some basic cover, but often people take out additional cover not realising that what they have is really all they need. The best way to approach it is to look at the type of cover you already have from your travel agent, medical aid, or your bank, and then take out cover for what is still needed. Speak to your insurance advisor so that you can make the best possible decision.<\/p>\n <\/p>\n Be aware of limitations and exclusions:<\/strong><\/p>\n All travel insurance policies have specific benefits and exclusions, and if you are travelling abroad, visa requirements can affect your policy limitations, and in some areas in the world, the possibility exists that it might even be excluded. So, the rule of thumb \u2013 as with any insurance policy \u2013 is to take the time to read the policy carefully.<\/p>\n <\/p>\n Pay ASAP:<\/strong><\/p>\n <\/p>\n It is recommended to purchase the policy of your choice as soon as you\u2019ve paid for your holiday or business trip. By doing so, you get the benefit of cancellation coverage from up to six months before the date of the departure.<\/p>\n \u00a0<\/strong><\/p>\n DON\u2019Ts:<\/strong><\/p>\n \u00a0<\/strong><\/p>\n Don\u2019t skimp on cover:<\/strong><\/p>\n <\/p>\n You should not adopt the same approach of packing lightly with travel insurance \u2013 less is certainly not more. At the same, you don\u2019t need all the frills either, because basic cover includes medical cover, accidental death and disability cover, albeit limited. It is advised to boost your complimentary cover with comprehensive cover. A comprehensive policy will also include cover for losses incurred due to unexpected cancellation or curtailment of your trip, death and disability cover, personal liability cover, luggage cover and various other inconvenience benefits.<\/p>\n <\/p>\n Don\u2019t get sidetracked:<\/strong><\/p>\n <\/p>\n Potential terror attacks, civil unrest, and disease outbreaks are the top concerns for travellers \u2013 only 15% of whom worry about adequate insurance cover for scenarios that are more likely to happen, such as falling ill or being involved in an accident. The most important benefit on your travel insurance policy is your emergency medical cover, as this covers emergency medical costs in the event of injury or illness when travelling abroad. Keep your wits about you and do not ignore the common risks that can strike as soon as you step off your flight.<\/p>\n <\/p>\n Don\u2019t disregard pre-existing medical conditions:<\/strong><\/p>\n <\/p>\n You could incur losses or additional expenses if you need to cancel or curtail your journey due to illness or injury emanating from a pre-existing medical condition. It is imperative to communicate any such conditions to your travel advisor to verify if it will be covered in your travel insurance policy.<\/p>\n \u00a0<\/strong><\/p>\n Don\u2019t rule out domestic travel risks:<\/strong><\/p>\n <\/p>\n Most risks associated with travelling are mitigated when one travels domestically, but insurance cover that\u2019s tailored to your needs, could save you unnecessary costs. Unforeseen travel-related delays and damage or theft of your luggage, could cost you both time and money, so it may be worth paying that little extra for travel insurance.<\/p>\n <\/p>\n When you are going to the ends of the earth for paradise, business or adventure, always expect the unexpected. Having a comprehensive travel policy in tow may be a bitter pill to swallow at first, but having the peace of mind knowing you\u2019re adequately covered, is priceless.<\/p>\n <\/p>\n Was this helpful?<\/strong><\/p>\n <\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Every time you\u2019ve travelled, things have gone off without a hitch. You were fortunate to avoid the gastrointestinal effects of eating spicy street food in Kolkata, emerged unscathed from kayaking the coastal waters of the Gal\u00e1pagos Islands, and sidestepped being pickpocketed on home soil. But, in hindsight, things could easily have gone wrong. The […]<\/p>\n","protected":false},"author":1,"featured_media":807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"\n
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