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Travel Insurance {Tips For Purchasing Policies}

Travel Insurance Tips For Purchasing
Post Last Modified – June 20, 2022

Helpful Tips For Purchasing The Right Travel Insurance Policy

I’ve always said for years that if you can afford to travel, you can afford travel insurance.

Below, are a few ✈ Travel Insurance Tips For Purchasing the right policy, for your specific travels and current health.

It’s important that you know exactly what’s covered and what’s not, when purchasing your insurance for travel.

Let’s have a look at a few important things to you should take into consideration. First, check out this quick 📹 video from CNBC Television on – 🧳 Buying Travel Insurance.

CNBC Television Travel Insurance YouTube Video



Selecting The Right Coverage For Your Current Health

Travel Insurance Tips For Purchasing #1

Travel Health

This is perhaps one of the most important things You Must Know and be able to provide to your insurance agent, at the time of purchase. 

It is especially so, for us baby boomers and more mature adults.  

Do you have a pre-existing medical condition that must be disclosed? ❓

This can greatly affect your coverage or depending on the severity, exclude you from any coverage at all.

It’s vitally important that you check with an insurance agent, to ensure you can be covered for your pre-existing ⚕ medical condition.  

There are usually set time limits associated with this, so make sure you do fall within their guidelines.

Coverage For Your Specific Travel Destination

Travel Insurance Tips For Purchasing #2

The Mediterranean

Depending on your intended travel destination, there could be travel advisories or restrictions in effect.

These restrictions could be associated to; safety concerns, political issues, weather warnings and so forth.

So it’s always good to check with your local government websites, on any specific travel advisories for your intended destination, prior to booking your journey.

Tips For Buying Travel Insurance For Risky Activities

Travel Insurance Tips For Purchasing #3

Mexidivers Reef Dive Boat

This is something often overlooked by most everyone, and is especially important for those active and 🏍 Extreme Travel Enthusiasts.

Depending on what you have in mind and how extreme the activity may be, you may not be covered for any medical emergency that arises.

You may have to add a special peril to your coverage if say for instance, you plan on Bungee Jumping, Sky Diving or 🚗  Driving a Race Car! 🙂 

Scuba Diving with Zihuatanejo Dive Center

As an avid 🤿 Scuba Diver, I always double check that my medical insurance will cover this activity, when I’m traveling abroad.

I know that most insurance companies require 🤿 Scuba Divers to be formally certified, in order to be covered.

Buying The Best Travel Insurance For Long Term Stays Abroad

Travel Insurance Tips For Purchasing #4

long stay insurance

This is important, as it can possibly save you a great deal of 💰 money in the long run.  

Do you travel multiple times of the year? ❓

Perhaps you’re one of the lucky ones (Snowbirds,) who possibly escapes to a 🏝 warm destination for the winter? 

Then definitely look into an – Annual or Multi-Trip Coverage, with your insurance provider.   

long stay vacations

We always purchase an annual plan to a maximum amount of days, that we will be away at a time. 

This saves us a considerable amount of money from having to purchase coverage, for each and every trip we take.

Travel Insurance Coverage Tips For Baggage

Travel Insurance Tips For Purchasing #5

Luggage Insurance

Again, depending on where you’re traveling to and if multiple ✈ flights are in your travel plans, then it may be worth your while to purchase 🧳 baggage insurance coverage.

It really doesn’t cost much, to add this inclusion into your policy. 

Should you arrive at your destination without your 🧳 luggage, within hours in most cases, your coverage will allow you to purchase clothing and items needed up to a certain dollar limit.

lost baggage

We had a family member travel from the cold winter in 🍁 Canada, to a sunny and hot 🏝 tropical holiday destination, arriving without their 🧳 luggage in hand.

Not good, when you don’t have your bathing suit or light clothing for a few days after arrival.

Worse yet and in the most extreme case, your 🧳 luggage possibly becomes lost for good!

Helpful Tips Banner

With the convenience of 📱 cell phones and digital cameras these days, it’s always good to take a 📸 picture of your luggage.

This will be so convenient, should you have to make an insurance claim and/or for tracking and recovery purposes.

A few seasons back, our son traveled abroad with his luggage gone awol. It took months for it to be traced and returned. That’s his returned bag many months later in the photo above! 🙁

When we’re heading on a tropical vacation, we always pack beach clothing and other items into our 🎒 carry on baggage, just in case.


Trip Cancellation & Interruption Insurance

Travel Insurance Tips For Purchasing #6

Trip Interruption Insurance

We all know when we least expect it something always seems to happen, and especially while we are away from home.

Perhaps you need to cancel your journey for a specific reason, or have it interrupted for a number of reasons while traveling.

This is where – trip cancellation and interruption insurance can be very worthwhile, should the need arise.

It’s definitely worth checking into for the small additional cost added to your policy. Especially so, if you’ve spent a great deal money for your vacation!

travel insurance

Travel ⚕ medical and other related insurance is vital, when traveling abroad or elsewhere. 

Should you become 🤢 ill or 🤕 injured while away, your medical and 🏥 hospital bills could cost you thousands of dollars a day, without any coverage.  

This is something you never want to take any chances with and be caught without, when away from home.

I’ve always said …

“If you can afford to travel, you can afford travel insurance!”


Helpful Tips Banner

Many 💳 credit card companies offer insurance coverage, associated with their cards.

credit card insurance coverage

In fact and for many years now, we have had such a card that offers; medical, luggage loss, trip cancellation, trip interruption and rental car collision coverage.

This is great, but do make sure you double check with your card provider about exactly what is and what is not, covered in their plan.

For example, most only allow this coverage up to the age of 65.

I always make sure I have access to their coverage and contact numbers on hand, when we travel.

I usually 📧 email all my important documents to myself, for easy access if needed.  

Below, I’ve included a link to – Pacific Blue Cross, directing you to their page on travel insurance purchase mistakes, to be avoided.

Just another good read for helping you select the – right coverage for your travels.

Pacific Blue Cross Logo

🏥   Pacific Blue Cross – Buying Travel Insurance Mistakes

Update Banner

Update June 2022

COVID-19 TRAVEL update

Many concerns have been raised regarding your travel insurance coverage relating to the – Coronavirus Pandemic. It’s vital that you understand and review the small print on your travel insurance, well before travel.

Things are changes regularly with insurance providers, now that travel is resuming once again.

Many airlines, vacation packages, cruises and so on, had recently introduced Covid-19 travel protection. This is great, but as one travel expert recently stated – you still have to be clear on exactly what that coverage includes!

For example, your local government may have a – travel advisory in place for your chosen destination, ⚠ warning against all but essential travel.

This could very well exclude your coverage!

Final Thoughts Banner

It’s important to read your policy documents carefully and check with your provider, to confirm what is and what is not included.

Check official websites for policy changes or contact your provider for more details on such changes that may have occurred.

Below, I’ve included a link to the 🍁 British Columbia Automobile Association just as an example, directing you to their specific page on travel insurance in regards to – coronavirus.

bcaa logo


Again, always read the fine print and discuss your policy with a professional, to avoid any unexpected surprises when traveling.

Safe and Healthy Travels! 🙂

signature of author and owner Robert Tellier at https://gr8traveltips.com

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