The best travel insurance for you

It can be tempting not to arrange travel insurance and save on costs. You may not want to spend the money on it or you may not have the money, or you may not realize the consequences if something unexpected happens during your holiday. Realize that the financial consequences such as loss of luggage, theft, or even medical emergencies can be very high. Good travel insurance not only covers these costs, but also provides support and assistance on site, which can be extremely valuable when you are abroad. A compare travel insurance makes sense because it helps you find the best coverage to suit your specific needs and budget. This way you can enjoy your holiday with more peace of mind, knowing that you are protected against unforeseen circumstances.

Different coverages

Coverage for loss, damage or theft of luggage varies per travel insurer. Some offer this as standard, while others only have this as additional coverage. It is important to carefully consider what coverage you need. For winter sports, for example, standard travel insurance is usually not sufficient and you will need additional insurance, because activities such as skiing and snowboarding require separate coverage. Therefore, compare different insurers best travel insurance for your situation.

Take out insurance on time

If you do not yet have travel or cancellation insurance, it is important to take out this within seven days of booking your trip. This can be either short-term or permanent insurance. If you do not do this within the stated period, cancellation is not covered by your continuous travel insurance. If you have to cancel or terminate your trip, you are not insured for this. That would be a shame considering the cost of the trip.

Short-term or continuous travel insurance

When do you choose short-term travel insurance? If you go on holiday for less than about two weeks each year, short-term travel insurance is ideal. You only pay a premium for the days you are actually traveling, usually between €4 and €18 per week, depending on the insurer and coverage. Although continuous travel insurance is cheaper per day, you take it out for at least a year. When do you choose continuous travel insurance? If you travel several times a year or are away for longer periods, continuous travel insurance offers more benefits. This remains valid all year round and you pay a fixed monthly amount, regardless of how often you go on holiday. The monthly costs usually vary between €1 and €9. Although this amount is not high, you will pay it throughout the year. Therefore, think carefully about your travel plans before taking out travel insurance.

Adjust your travel insurance smartly

Do you have continuous travel insurance? Then you can smartly adjust this to your travel needs, so that you only pay a higher premium when necessary. Suppose you go on holiday in Europe twice a year and occasionally go away for a weekend. You probably have travel insurance with European coverage. If you travel outside Europe, for example to Asia, Africa or America, you can temporarily scale up your coverage to World Coverage. After your trip you can switch your coverage back to Europe coverage. This way you only pay a higher premium during the period that you travel outside Europe. This also applies if, for example, you go on a diving holiday without this being insured. You can then temporarily adjust your insurance and return it to the original coverage after your return.