Travel insurance, as the name suggests, is a form of insurance that could protect you in your local and international travels. This type of insurance is often recommended by travel agents, airlines, hotels and other services within the travel industry. It’s a protection that the whole family needs to be protected while traveling.

But the travel insurance industry is very tricky as it could make you think that you are covered in one thing but actually covered in another area. Before you purchase travel insurance, take note of these scenarios so that you can get the protection that you need.

1. Variety of travel insurance

Travel insurances can come in various formats. Some offer insurance against cancellation of flight, others provide protection while traveling (such as in flight) and others will only protect you while staying in another place. Ask the travel insurance company’s basic coverage to know if you’re purchasing the right coverage.

2. Know what you need

Because there are many variations of travel insurance coverage, know what you really need. This will help you save on travel insurance. It might even be possible that you don’t need any insurance at all since you’re already covered in other insurance policies.

3. Check specific coverage

After learning the general coverage and you like what’s being offered, check for coverage. There are companies who can say “yes” to certain accidents while on travel but there are activities before the accident which might prompt them to deny compensation.

4. Check adaptability

This is very important for international travel. Some unscrupulous travel insurance companies do not care if you’re traveling locally or internationally and they just deny any claim since they do not cover the country. Check first if they offer coverage in your country of destination.

5. Double check the contact information

If you’re traveling locally, be sure that they have a toll free number so that you can get in touch with them in an instant. If you’re traveling internationally, get the phone number of their local counterpart. A local contact number in other countries is also an indication of wider coverage.

6. Compare pricing

No two travel insurance is the same – including its pricing. Compare the rates and coverage of at least three travel insurance companies. This will help you choose a better travel insurance without having to spend additional hundreds of dollars.

7. Check for airline insurance

There are airline companies that add insurance along with the ticket price. Ask the airline if they offer such coverage, the actual provider of the insurance and what type of coverage they will offer. If your needed coverage is the same as what the airline offers, no need to purchase separate travel insurance.

8. Check coverage of your current insurance

There are insurance companies that add travel insurance as part of your coverage. Read the additional features offered by your current insurance provider so that you’ll know if you currently have travel insurance.

9. Inform your travel insurance of your previous medical conditions

Like your heath care plan, emergency travel insurance could be denied if you have previous medical conditions that you did not tell your insurance provider. Before agreeing to their offer, inform them of your previous medical conditions since some conditions will automatically disqualify you for insurance.

10. Opt for direct booking

Travel agents and travel companies are “middle men” of travel insurance companies. Instead of agreeing to what they offer, select a company by researching and getting in touch with the company directly. This will help you save money and learn more about your coverage from the travel insurance company.