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#TravelInsurance Mistakes to Avoid-Solo Travel Tips

5 #TravelInsurance Mistakes to Avoid After Thomas Cook

Oct 13 2019
0 Comment
Elizabeth Avery

#TravelInsurance Mistakes to Avoid: The sudden failure of fabled Thomas Cook underscores the need for travel insurance.  But finding your way through the thicket of competing policies can be hard. Here are our 5 updated tips.

#TravelInsurance Mistakes to Avoid:

Read the definitions/exclusions carefully.

Tip One:

Watch out for “known risks”. For example, what if you had a flight on British Air Sept. 2019 and read about the planned strike.  You rush out and buy travel insurance. You could not recover for the loss because you were aware of the risk when you bought the policy.

Tip Two:

Not all companion coverages are equal. Your claim can depend upon not just the relationship you have but also how his/her unavailability came about and when. (Aside from insurance claims, getting refunds from other prepaid fees can be hard. For example, Air B&B may have you jump through many hoops.  In one case, where emergency surgery caused a wedding to be cancelled, Air B&B  went back and forth seeking documentation.  One issue: The injured/ill guest was not listed on the reservation. Our tip: Put the name of all guests on the reservation. If you don’t, do be prepared to provide plane tickets/itineraries or other proof of travel plans.)

#TravelInsurance Mistakes to Avoid:

Payment is subject to the claims process upon return home.

Tip Three:

Be aware that insurers pay claims in arrears once you return. In a true emergency, be sure to have a credit card with enough extra available credit to get an advance while still on your trip.

Plane ticket costs can be tricky to recover in full.

Tip Four:

Read carefully when you buy a non-refundable plane ticket. Before you make a claim, see if you can reschedule your travel albeit with a penalty added. You will likely still have a loss but a more limited one than the full price of the plane ticket.

Consider multiple trip insurance for frequent travel.

Tip Five:

If you are planning to travel many times in one year, compare prices and coverage for multiple trips in one year.

For more information, please see our 7 Tips on Travel Insurance for Solo Travelers.

See also InsureMy Trip.

 

About the Author
Elizabeth Avery founded Solo Trekker 4 U in 2012, to provide fellow solo travelers with well-priced top travel packages and global lodging from 5-star hotels to economical bed and breakfasts. Elizabeth has visited all 50 US states and more than 66 countries around the world.

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