Your homework checklist:
Where are you going?-Are you traveling close to home or a number of miles away? Are you staying in the country or traveling abroad? Pinpointing your destination is important to determine which type of insurance plan you need and how much coverage you should buy. Almost all travel locations are insurable but there are some that will cost you more money than others, including:
• Remote locations
• Dangerous places including war zones and destinations on the government's terrorist list
• Adventure destinations
How are you traveling?-If you travel by car you can take advantage of rental car insurance, flying by plane or cruise means you'll need protection against lost baggage and trip cancellation or interruption. Many travelers forget the importance of staying safe while getting to their destination. Remember that your trip begins the minute you leave home and so should your travel insurance coverage.
How long will you be staying?-Considering the length of your trip is also important to selecting the proper travel insurance. If you are traveling just once, then single-trip insurance is probably your best choice, but if you're traveling multiple times throughout the year, you may want to consider multiple trip insurance. Multi-trip insurance allows you to pay one premium amount but take several trips within a specified time frame.
What's the purpose of your visit?- Are you traveling on business? Taking a cruise? Adventuring around the world? What you plan on doing while you are traveling plays a large part in the type of policy you select. Business travelers can receive upgrades and discounts on multiple trips, whereas adventure travelers can purchase cheap travel insurance plans that are catered specifically to sports and recreational activities like snowboarding and backpacking.
One of the best places to find discount travel insurance is on the web. There are a number of travel insurance sites that offer incredible travel discounts to every travel location you can imagine. You can also find deals on accommodations, travel packages, and recreational activities.