Long Stay Travel Insurance - What's the Deal and Who Needs It?
With the rise in budget airlines and cheap flights, there are an increasing number of people jetting off around the world. And, whether it is in search of action and adventure, for work purposes, or simply to visit a friend or relative, many people are choosing to stay away from home for longer stretches of time.
As with any trip or holiday, it is essential that if you are going away for an extended period, you invest in a good policy. However, as most standard policies will only provide coverage for up to 90 days, it will be necessary to search for long stay travel insurance.
But, what exactly will it cover you for and how can you find the best deal for your circumstances?
Long stay insurance is the most cost-effective way to ensure that you are fully protected when you go abroad for more than three months. Depending on what coverage you opt for and which company you choose, the features and costs of different policies will vary.
Nevertheless, at a minimum, you should make sure you are covered for any medical emergencies - including transport home, if necessary - the loss of personal belongings, travel delays and/or cancellations, personal liability and legal costs.
It is also vital that you inform your insurer of any particular activities, such as skiing or scuba diving that you will be undertaking, since this will affect the level of coverage you need.
Finding a low-cost policy, which still provides you with comprehensive cover can be tricky. However, there are a couple of things you can do to ensure you don't end up paying too much for your insurance.
For example, it is a good idea to shop around for different long stay travel insurance [http://uk.insurancewide.com/insurance/travel/guides/long-stay/] quotes. Searching online is useful as there are often deals available
which cannot be found on the high street. Not only that, but it is also possible to make use of the comparison websites, which can help you thoroughly research the marketplace in the most time-efficient way.
Increasing the excess on your policy is another way to help you secure a cheaper policy. But, you should think carefully before committing to this because the total excess (voluntary and compulsory) signifies the amount of any claim you must meet yourself before the insurer pays out the remaining value.
Harvey McEwan writes to make insurance (especially car insurance!) a happier place. You'll often find him here: [http://uk.insurancewide.com/insurance/car/]
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