4. MORE TO THINK ABOUT
You might not need insurance. Don't buy what you don't need. If you are making a short trip to see your relatives a few hundred miles away, you probably don't need to buy the insurance. Review how much you are spending on the trip, then see how much the insurance would pay off in the case of something happening. Also, if you are going overseas for an extended trip, you may want to look into that as well.
Read over all the benefits carefully before traveling. This might sound very elementary, because it is! Make sure that you know all the limitations and benefits before packing your bags. Your policy might have a funny clause about not being covered if you don't do something exactly. The worst-case scenario would be thinking you are covered for something and finding out you really werent.
You may need high-risk insurance. If you are going on a trip that involves a high-risk sport, such as scuba diving or parasailing, or in a high-risk country, due to war or elevated risk of natural disasters, you might need to upgrade your policy. Talk to the person that is selling you the policy about what you are doing and where you are going. They might tell you that you need the high-risk policy.
So that is the long and short of buying travel insurance cheaply. With some knowledge, you can be sure that you are insuring your trip of a lifetime against the unforeseen, as well as getting the best deal for your trip. While it's unpleasant to think of anything happening while youre on your vacation, you'll feel better in knowing that you are covered if something happens.
