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Some travel insurance policies are destination-specific where as others are worldwide. The level of travel insurance cover and the cost of travel insurance can vary depending on the region you’re planning to travel. Risks in some regions or countries may be of greater concern than others to the travel insurance company.

• Choose a travel insurance policy that covers you for every country you are planning to go, and this should include any stop over destinations and transit points.
• Check the current situation or travel advisory alerts for the destination you are travelling to. 

Make sure your destination’s travel advice level is not ‘Do not travel’. Check if your travel insurance policy covers you for cancellations if the travel advice level goes up after you’ve booked.

Travel insurance companies normally offer travel insurance quotes based on how many days you will be away from your country of permanent residence.

• Single Trip Travel Insurance Cover is good for travellers who are planning a quick trip as these are for a set number of days.
• Multi Trip Travel Insurance policy is great if you travel often.
• Annual Travel Insurance covers are perfect for extended periods of travel as this type of policy may end up being more convenient and better value.
• Domestic health insurance cover should be considered in your destination country if you are going abroad for long-term to live or work as most travel insurance policies may not cover you. Consult a travel insurance insurer to learn more.

If you are purchasing an annual multi-trip travel insurance policies or thinking using your credit card travel insurance policies, then check the maximum number of days are covered in each trip as most annual travel insurance policies have a limit from 15 to 365 days, depending on fine print in your policy. Some travel insurance providers allow you to pay for extra days.

Most travel insurance covers in the market exclude several  activities in their standard travel insurance policies. In most situations, you may need to pay extra to ensure you are covered for what you are planning to do at your destination. It is vital to check the travel insurance policy’s fine print, and these include:

• Check the list of activities that are specifically included or excluded in your insurance.
• Check their definitions for activities like walking in the mountains may be considered mountain climbing above a certain altitude.
• You might need to pay for extra cover for certain activities like skiing, bungee jumping, scuba diving, hiking or riding a motorcycle.
• If you are planning to drive at the destination, check to see  whether your travel insurance can cover you or can pay extra to cover you. In most cases, getting a car hire insurance from your travel insurer is cheaper than getting another car hire insurance from the car hire company.

If your are planning to live long period of time at your destination, there may other insurance requirements to meet such as the visa conditions to get a local health insurance policy.

Your age and health will impact the type of travel insurance policy you need, and how much it costs you. This especially applies to people with pre-existing medical conditions.

• When purchasing a travel insurance policy, you must declare all your pre existing medical conditions. Ask your travel insurance provider if you are not sure whether your medical condition is covered.
• In some instances, the travel insurance company may ask for a medical assessment. It is important to ask your travel insurer if they will cover your medical condition automatically or you will need an assessment.
• Most travel insurance policies have an age limit. There are travel insurance policies for seniors in the market.

Expensive personal items may cost you more to insure and therefore it is important to think about what you are taking with you, when you travel. The cost to replace items if they get lost, stolen or damaged must be considered when buying a travel insurance policy.

Travel insurance policies differ when it comes to how they cover valuable items. Most travel insurance covers often have limits on the value for each item, and adding cover for valuables can vary.

• Check individual item limits on your travel insurance baggage cover. You may need to take out extra travel insurance to cover your valuables properly.
• Check the excess on your travel insurance cover as the excess in many policies are more than the value of key items you are taking with you. You can consider paying extra to reduce or remove the excess on your travel insurance cover.
• Always check the fine print on your travel insurance policy statement (PDS) and see what items they exclude, and the situations they will cover.

A wide range of travel insurance cover policies from several  travel insurance companies for you to buy the travel insurance policy that best suits you. 

We have listed for you some of the major travel insurance companies in your country to buy a travel insurance policy that covers what you need for your upcoming trip.