YOU ASK:

There are a lot of travel insurance plans and products in the Internet, how do I make a comparison?

WE ANSWER:

Yes, it can be downright confusing and frustrating when you try to choose among the travel insurance products you can buy off the Internet. The Internet can be a useful tool when shopping for travel insurance, it can help you get an excellent deal for yourself so that you have all the benefits you need in a travel insurance product, without paying an arm and a leg for it. Buying from the Internet, if you know how, can provide you with as much as 75% savings, as compared to if you will buy it from a travel agent.

When you google "travel insurance" you will find a long list of results. However, you don't need to plod through pages and pages of travel insurance products. Before you go shopping, you should first determine what you want. Go over your planned activities and modes of transport for each leg of your trip, and imagine what can happen along the way. What are your most immediate and pressing concerns about the trip? What worries you most?

Keep in mind that each traveler is unique and will also have unique needs. For example, you may be bringing some expensive equipment with you, if you are an avid photographer. Or, you may be traveling on a budget and will have all your things in a backpack, and so will not need lost luggage insurance. Or maybe, you are worried that you may miss your pre-paid cruise trip because of an emergency.

So, it will be helpful to know just what benefits you will need. List these down in order of priority. When you have your list, you can now start browsing the Internet for the products. There are insurance agents that provide you access to a number of travel insurance companies, so that you can easily compare these products at a single glance. You can look into travel insurance comparison sites to help you shop around for the best deal.

When you have a short list of the travel insurance plans, be sure to also check the terms and conditions provided, so that you know all the exclusions stated in the policy.

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