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Family Travel Blog

How to choose the perfect Travel Insurance

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Since we started travelling with our daughters, we inevitably had to take care of certain organisational aspects to which we had not previously paid too much attention.

One of these concerns taking out travel insurance.

Taking out travel insurance for the family is indispensable in order to enjoy the holiday with peace of mind and to protect ourselves from any loss of money due to illness or other mishaps that could prevent our departure.

But what features should the perfect travel insurance have?

Characteristics of the perfect travel insurance

Travel cancellation

Travel cancellation insurance is definitely one of the features that your travel policy must have.

If, like us, you have children who go to nursery or kindergarten, the risk that even a simple illness could jeopardise your departure is very high.

Therefore, taking out travel cancellation insurance can give you greater peace of mind and is, in our opinion, an essential part of a good travel policy.

Medical coverage

Another option to consider is medical cover .

Especially if you are travelling abroad, it is important to choose a company that offers high coverage for any medical expenses.

Beware of certain cases, such as the persistence of a known illness, which do not entitle you to any compensation in most cases.

The reason for non-departure must be documented in the manner specified in the policy (e.g. with a medical certificate).

Travel insurance: luggage

Another important cover to take out is that relating to loss of luggage.

Some policies also cover expenses due to the replacement of lost documents (passport, driving licence, etc.).

Repatriation or medical transport

Repatriation or medical transportation is a major medical emergency situation that requires the immediate return of the sick person to his or her country.

As you can understand, this procedure involves considerable costs, both for transport and any accompanying medical personnel and equipment, so repatriation is definitely one of the options to consider when taking out a travel policy.

Additional information

Pay attention to limits and deductibles, which you should always know in advance.

Read all the clauses in the contract carefully before taking out a policy.

There are many different types of travel policies, so the advice is to choose the insurance that best suits your needs and the type of trip you are going on.

How to choose the perfect Travel Insurance: conclusions

Fortunately, you almost never really make use of the insurance you have taken out.

But, should the need arise, it is important to have comprehensive insurance that you can rely on.

You can find several online portals where you can do simulations within seconds and find the insurance that best suits your needs.

Often this is a small additional expense that becomes ‘trivial‘ when compared to the amount that would be lost if the trip were cancelled.

All in all, therefore, in our opinion it is important to take out a travel insurance policy that allows you to feel reassured both before departure and during the trip, in the face of the small or large unforeseen events that may occur.

Heymondo travel insurance: reviews and discount code for you.

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