The days of meeting with an insurance advisor in person to obtain your travel insurance policy are long gone. Today, Singaporeans can quickly buy travel insurance online at a button!
But before you buy a policy, you need to make sure it covers everything you need. After all, you don’t want to be stuck in another country without being able to get help after an unexpected event.
Consider your health needs
When you purchase travel insurance online, whether it’s a single or annual travel plan, your health and safety needs must be a top priority. You can’t predict if and when you’ll get sick during your vacation. In addition, health care costs in other countries can be astronomical. You don’t want to end up with an invoice you can’t afford.
Look for a travel plan that provides for reimbursement for both the evacuation and your safe return to your home country. Read the fine print, as some companies may only include one and not the other. You only need to take out a policy that covers both.
Evacuation is just a fanciful term for transportation. If you are sick, you must find a way to go to the hospital or go home. Your policy may have specific provisions regarding what it covers or not. For example, if you are planning a cruise, you may need to be evacuated by helicopter if you become seriously ill. Make sure your travel insurance policy will cover these costs.
Before you travel, you need to know if travel insurance will cover your pre-existing conditions. Most of them do not. If you have heart disease, for example, you may find that a standard policy will not pay for these conditions. People with pre-existing illnesses should consult their doctor to make sure they are well enough to travel abroad.
Know your itinerary
Most travel insurance policies cover only general and safe tourist behaviour. If you want to embark on an extreme climbing or skydiving adventure, for example, your policy probably won’t cover the damage you might suffer.
Anyone who wishes to participate in dangerous or extreme activities must find a specialized police force. Adding these activities will increase your premiums, but will also give you much-needed peace of mind. Fortunately, DirectAsia offers supplements for extreme sports in its travel insurance policies, which will save you a ton!
Coverage for your belongings
When travelling abroad, make sure all your belongings are covered. Again, you need to read the fine print to understand how the payment works if you file a refund request. Although the policy indicates that it will cover a certain amount, it may have sub-limits on certain items. For example, if you bring your laptop and the limit is less than the cost of replacing it, you need to look for a better policy.
Some goods are more expensive to cover than others. For example, many fonts do not cover lost jewelry. In this case, it is best to leave your jewelry at home. You should also include the memories in your policy. Think about what you want to buy before you go on a trip to opt for a policy that also covers everything you’ve received on your return!
Don’t forget about cash
Most travellers bring at least some cash. If you plan to use cash instead of credit cards, make sure they offer a refund in case of cash loss. When you buy travel insurance online, compare the cash payment limits of different providers. Make sure you understand how to file a claim in case you lose your money during your vacation.
Know where you’re traveling
Check that the Department of Foreign Affairs has not issued a travel advisory for the place you want to go. If you do not want to go to a certain place, it may result in the cancellation of your insurance policy. However, if the notice is put in place after the insurance is purchased, you may be able to file a cancellation application. The sooner you plan your trip and buy travel insurance online, the more likely you are to receive a cancellation fee.
Affordable travel insurance in Singapore
While this is a no-brainer, you should always be careful and invest in travel insurance from Singapore. Make sure the insurance you buy has all the necessary safeguards to protect yourself in all respects during your trip. DirectAsia can help you create a custom font that will keep your trip running smoothly. Contact us today to discuss your travel needs with one of our insurance experts!