Traveling lets you see new places, experience different cultures, and relax away from everyday cares. But relaxing may come off the itinerary if you don’t have travel insurance. The right travel insurance is a safety net that ensures you’re looked after if the worst happens. This could be illness, injury, damaged luggage, or canceled flights. The wrong travel insurance takes your money while offering little protection.

Do Your Research

There are a lot of travel insurance options around, which can make choosing a package confusing. It can be tempting to tick the ‘buy travel insurance’ box when buying tickets, but it’s important to do your research. The best first step is to use an online marketplace to see what your options are. These websites allow you to enter your trip details and will give you the price and coverage of plans from different companies. Check the reviews before making your final choice., so you know if the claim process is easy, if service is available 24/7, and if help is there when needed.

Read the Small Print

The next step is to read the small print. Coverage differs between policies and companies, and it’s important to know what you’re protected against. Make sure you understand when medical fees are covered and how much the insurance will pay out. Know when an emergency evacuation is covered and when you’re allowed to claim for travel cancellation. The fine print also tells you what you’re not covered for. This can include incidents caused by extreme sports, excess alcohol, and carelessness. Your destination can impact this. For example, if you’re holidaying in the Caribbean during hurricane season, check that you’re covered for storm-related incidents.