Good Lifestyle

There are things you know youNever leave the house without When you pack your suitcases for a trip. But in addition to ensuring that youcaught the appropriate outfit For the weather where you head and double the verification that you have not forgotten your essential chargers, it can also be important to make sure that you are covered with travel insurance. Most packages can be a way to get some peace of mind on the preparation of any accident on the road, such as lost luggage or flight changes. But if you are looking to make the most of your plan, there are a few things you need to know before making your decision. Read more to see what experts say they are the best travel insurance hacks you need to know.

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Credit cards today are much more than a means of paying items without cash. Even many basic options are delivered with all kinds of advantages and bonuses, not to mention the ways to make travel less to reserve trips with reward points. But they can also include integrated insurance that you did not even know that you had - with other services that you already pay to use.

"Check with the credit card you used to buy the trip," explainsJohn Rose, head of risk and security ofTravel management company Four. "The American Express Platinum card, for example, has a certain AIG travel insurance coverage and already contains medical evacuation coverage through American Express. People should also check the policy of their owner or Their tenant because he can contain a coverage for any lost or stolen article, such as luggage. Do not buy the double coverage, but make sure you have a coverage for the things that concern you - namely travel cancellation , medical assistance, etc.

Whether packaging is a long, elaborate and traumatic process for you or an easy last minute task that you are going through, you may not remember anything that makes its way in your bag. This is why experts say that it is important to remember to do one thing before zipping and taking off.

"Before closing your suitcases, take photos of the content, so you have a specific list for a complaint", "Steve Dasseos ofInsurance store recountBetter life. "It is almost impossible to remember what you have thrilled if your suitcase is lost."

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If you are wise enough to find out which cards have the most meaningful to have in your wallet, you may have a decent idea of ​​the benefits that accompany them. But experts warn that it is not because you think you are covered that it will be enough for road accidents when you need it most.

"Do not count blindly on credit cards and existing policies such as home insurance during travel planning", "Joe Cronin, president ofInsurance of international citizens, recountBetter life. "Examine your police closely to better understand what is covered and make sure you buy appropriate travel insurance to cover items such as medical care, luggage, personal effects and travel interruptions. But almost no card credit does not offer emergency medical coverage. "

The fact that everything is square and finalized for a trip can take a lot of initial research and stand for a better offer before finally pressing the trigger. But experts say that if you want the best party of your travel insurance, it is best to book it immediately.

"Follow the 14 -day rule," saidElad Schaffer, co-founder and CEO ofFaye Travel Insurance. "It is preferable to buy travel insurance as soon as you make your initial travel deposit, such as buying your flights or accommodation. In this way, you will be protected from unexpected events that could make you delay or cancel . And if you buy inside 14 days of your initial travel deposit, you will be eligible for the full range of protecting your travel insurance coverage. "

But that does not yet mean that you should opt for the simplest or fastest option. "Travel protection tends to be a forgetful complementary module via a box that we felt in a hurry to check after a hotel or a flight reservation. They generally say something like:" Add travel insurance with one click and loosen. "In reality, many are likely to opt in these offers without understanding what the plans really cover, only to discover the minimum cover for which they paid when you know what strikes the fan," warns Schaffer.

"In fact, travel insurance distributors that work directly with flight and hotels booking platforms can take a super-high commission on these sales and provide minimum aid. Explore what insurance providers Voyage have to offer by going directly to their sites and avoid the protection of travel, car and flight websites, ”he suggests.

Are you one of those travelers who live practically their suitcase? In addition to being more likely to need global insurance, experts say that there is another option that could save you money and time while giving you peace of mind.

"One thing that many travelers do not realize is that travel insurers offer annual coverage as well as a coverage on a travel base by travel", "Roger Broussard, CEO and founder ofPilot school hero, recountBetter life. "Subject to certain general conditions, of course, this type of policy will provide you with complete coverage for all your trips during a given year. If you are a frequent traveler, whether for business or For leisure, this undoubtedly saves saving you have a lot of money during the year in relation to ensuring yourself for each individual trip. "AE0FCC31AE342FD3A1346EBB1F342FCB

But Brussard says there are still some limits to this strategy. "Keep in mind that trips that require additional coverage due to a higher risk perceived - for example, skiing - are even better covered by insurance in one stroke," he said.

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Being far from home can make the reaction more difficult when something happens unexpectedly with a plan or luggage, but this is another situation entirely with regard to your health. Experts say that anyone at a higher risk of needing a hospital while on the road should seriously assess their plans to ensure that they are covered to avoid expensive payment at the end.

"If you have pre -existing conditions or if you are pregnant, you should consider travel medical insurance," says Cronin. "Although your health insurance may reimburse for some of these costs, you will always be responsible for the payment of these advances in advance. Travel medical insurance will help you cover these costs and provide additional support such as to help Find English-speaking doctors and medical evacuation in the United States in an emergency. "

Most people only think of looking for travel insurance when planning an expensive transatlantic or vacation getaway across the country. However, experts say it can be a huge mistake.

"Do not buy the myth that you only need travel insurance only if you venture abroad," says Schaffer. "Domestic trips, especially in today's travel climate, guarantee travel insurance, especially if you paid in advance for accommodation and activities."

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Deciding on the right type of travel insurance may look like a confusing and intimidating process by design. And whatever your budget, nobody likes to pay for everything he does not need. But experts say that as regards insurance, buying the right option can sometimes determine if you get what you need.

"Sometimes paying a little more will save you long -term dividends,"Ciara Turner-Wewert, travel expert and CEOWell-being travel journal, recountBetter life. "Travel insurance companies generally have three different types of coverage, so paying a little more can bring you up to the next coverage. In other words, your dollar can go much further, and you will get a better COVER - Just always double - check to see what is offered. "