A Guide to Factors to Consider when Comparing Travel Insurance
It’s important to arrange travel insurance before going on any trips to Spain. By comparing travel insurance companies, you can find out which is the best travel insurance to take out for your trip.
Travel insurance is important for many reasons. There are a large variety of things that can go wrong while on holiday, and travel insurance acts as your safety net to make sure that, even if the worst happens, you won’t find yourself with a huge bill to pay.
When comparing travel insurance policies, it’s important to look at a few factors to decide what best travel insurance is to take out. Medical protection is one of the most important factors to look at. Spain has public healthcare and some of the best hospitals in the world, but it may take a long time to be processed into the hospital and get treatment, and then too there’s no guarantee that you won’t be charged for treatment.
Private health facilities treat visitors immediately and provide a higher quality of care. Additionally, your travel insurance will cover you in case you need to have a more expensive procedure carried out – something the public healthcare system may not do.
By taking out a travel insurance policy with a high amount of medical protection, you cover yourself both medically and financially just in case something does go wrong and you have to visit the hospital.
Another factor to look at is the excess fees. When processing a claim, travel insurance companies will charge an excess fee. Different companies charge different amounts, with some companies allowing the excess fee to be waived by paying an additional amount up front. When comparing policies, it’s best to go with the company providing lower excess fees – this will save you money in case you have to make a claim.
It’s also important to see what else is included in the policy. Some policies cover lost passports, lost baggage, flight delays and more while some of the more cheaper insurance policies don’t provide these services (or, if they do, they charge a very high excess fee). When comparing travel insurance policies, it’s very important to check what is covered and what is not.
The final factor to consider is what activities you will be engaging in while visiting Spain. If your goal is to spend hours soaking in the Sun, then this won’t apply to you, but if you’re hoping to take part in some extreme sports (diving, surfing, wakeboarding, rock climbing, motor bike riding etc.), it’s important to make sure that your travel insurance covers these activities. Some of these activities may require specialist travel insurance to be taken out.
Take note of these factors and decide which are applicable to you. It’s best to write down your needs on a piece of paper when comparing travel insurance companies. By taking these factors into account, you’ll be able to easily find the right travel insurance policy for your trip.