4 Travel Insurance Tips for Adventurous Winter Travelers

More and more people are planning an escape during the winter months. While it may seem like the perfect way to spend your winter months. There are plenty of factors that need to be considered before you plan your travels.

Travel insurance is one of the factors. Buying travel insurance has increased drastically in the past few years. Unfortunately, the cost that comes with it has increased by a whopping 150% in only one year! To avoid the cost related to it, most people would just entirely avoid getting travel insurance altogether. But that is not the best approach as it is better to be prepared than be sorry later. So, if you are an adventurous winter traveler then here are four travel insurance tips that can be easy on your wallet.

1 – Buy Exactly What You Need

Make a list of all the coverage that you would be needing. Once you have finalized that, you should approach an insurance company. The issue with off the shelf insurances is that there are plenty of things included in it which you won’t be needing. Here is a list of insurance types that you will come across.

• Cancellation Insurance: This kind of insurance is for those who think that they might need to cancel their trip at some point. Even if you are sure about your trip, there may be some event or emergency that may cause you to cancel your trip. Canceling your trip, without insurance will cost you a lot of money.

• Delay/Interruption: The insurance related to delays will allow you to delay your trip without bearing the expenses. The trip delay insurance also covers meals and stay if your flight has been delayed.

• Insurance to Evacuate: Evacuation insurance deals within an event if you fall sick or get injured. The insurance will transport you to the choice of your medical facility anywhere in the world.

No matter what kind of insurance plan you are buying. Make sure that it has a large amount dedicated to medical care. Moreover, insurance to evacuate must also be included in the plan.

2 – Consider What You Already Have

Several things might be covered by your credit card or home insurance which include costs like your medical care and expenses such as renting out a car during your winter travels. Therefore, even before you get in touch with a travel insurance provider. Make sure of what is already been covered in your other insurance plans. In a nutshell, extra baggage and renting out a car might be covered. However, you may need insurance for high-level medical care in case you are into extreme sports.

The good news is that you will not be needing insurance for common sports like skiing, snowboarding and mountain climbing. These will automatically be covered in the standard insurance policy. Moreover, your standard plan might even be covering events like ice climbing and ice skating. Therefore, there is no need to purchase an insurance plan which is specifically covering the cost of these activities. Yes, you might be needing evacuation insurance in case you need to be evacuated someplace in case of a medical emergency. Other than that there is no need to spend your precious vacation money on such items.

3 – Purchase your Travel Insurance from an Outsider

Buying your travel insurance from an outsider doesn’t necessarily mean that you should buy it from strangers. It simply means that you shouldn’t be getting it from your airline or those in charge of your tour. The reason is quite straight forward and simple. In case you purchase through the airline or those who are in charge of your tour and they close down. Your insurance will most likely be canceled too.

Another issue with buying insurance through these channels is that they will cover only while you are using their services. If you dig deep into their terms and conditions you will find loopholes. In most cases, there will be clauses that explicitly state that they will not be responsible once you have stopped using their services.

4 – Buy an Insurance Plan that is Aligned with your Trip Needs

The standard insurance plans don’t cover traveling to far-flung locations. If you are an adventurous soul and enjoy traveling to areas that are isolated from the real world. There might be a chance that you will face difficulty finding an insurance plan that suits your needs and saves you from potential risk. Discuss this with your insurance provider company and they will come up with a solution to cater to your demands.

Locations that have a high crime rate or are more prone to natural disasters will have lesser chances of being covered with insurance. Moreover, travel insurance covering such countries will be costly as well. Therefore, when you are purchasing your travel insurance policy make sure that it includes all the places that you might need to visit in the future.

Final Thoughts

Some people might argue that there is simply no point in getting travel insurance at all. Here are a few reasons why you should always get travel insurance.

• Getting medical care in a foreign country can be quite expensive. Travel insurance will cover all your medical benefits if you suffer any illness or accident during your travels.

• Let’s say you have planned a Val d'isere ski holidays, for most it might even be once in a lifetime chance. If by any chance you are unable to make it to the trip. You will be losing all your money, this is where your travel insurance will cover you!

• In case you have lost your passport or visa, the authorities of the company are only willing to help you replace one if your insurance plan covers these losses. Similarly, the embassy of your country will not be willing to provide you medical care unless you are covered by insurance.

Most people think that travel insurance might be really expensive. This is where people are wrong. Travel insurance is not as expensive as most people think it is. Getting the right insurance seller and choosing the correct plan makes a difference. Our tips above will help you find the perfect travel insurance plan for your winter travels.