Tourism Ireland

Tips for Choosing Travel Insurance

by Benjamin Kerns

Jun 14, 2015

© Andrey Popov | Dreamstime

Tips / Travel

Purchasing travel insurance is a must if you’re planning on spending a significant length of time out of the country. In fact, you should get it even if you’re not. Choosing the right travel insurance can be confusing, so here are some tips to help you out.

 

Medical insurance is a necessity. Heaven forbid an accident happen while you’re overseas, but you need to be covered if it does or else you could be out a lot of money. Do your research and find insurance that covers injury, sudden illness, dental emergencies and even costs incurred in the event of your death.

 

Make sure it covers every place you’re going. The best travel insurance will cover you no matter where you go. If you plan on hopping between countries, make sure your plan will follow you.

 

Cover your possessions. Remote workers who need to have income while they travel need to protect assets like laptops. Heck, you might even want to have your camera covered, just in case. Your travel insurance should pay for repairs to damaged or lost devices. A lot of electronics are actually much more expensive to replace overseas.

 

Have financial protection. Insure your money! If whatever bank you’re using goes belly up while you’re overseas you could be left without a euro to your name. Your travel insurance can cover you in case of a money emergency.

 

If you’re a daredevil, get special insurance. Regular travel insurance won’t cover adventurers. Make sure you’re buying something that’ll pay for your medical bills if you plan on jumping off waterfalls or climbing ridiculously high rocks. Medical insurance only goes so far.

 

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