This is not so much a suggestion that you should get travel insurance from those expensive insurers whose costly travel insurance packages essentially allow you to design your own insurance, but rather just a suggestion that you need to go over your travel insurance very carefully every time you’re looking to get such coverage. In fact, you should renew your travel insurance prior to every single next trip you’re scheduled to take, even if you’ll be visiting the exact same destination you’ve been to last time around.
The importance really resides in what coverage you will have should any related mishaps ordinarily covered by travel insurers befall you while you’re enjoying your latest getaway. It’s never a pleasant thought to entertain, but that doesn’t make it any less necessary.
The reason why you need to take out a freshly-minted travel insurance plan whenever you go on each of your next trips is because that’s actually how travel insurance works by design. It only applies over the specific period which you’ll be away on your trip – not a single day or split-second sooner and not a single split-second later! That’s why you need to give the insurer the exact dates on which you’re departing and returning, with your flight tickets and in some cases your accommodation booking confirmations to be supplied as the required supporting documents to secure your travel insurance service.
It goes a lot deeper than that however and is not merely a matter of covering your bases. Sometimes it’s a matter of making sure your money goes further and also making sure that you get full value for all the money you’ll be spending on your travel insurance. For example, if you’re a UK citizen and you’re travelling to a specific part of the United States, some of the aspects covered by your travel insurance could very well prove to be unnecessary, in other words you’d be paying for coverage you don’t quite need. What I’m talking about in particular is something like a specific travel insurance package perhaps covering (and adding to the overall fees) for legal consultation services should you be involved in a car accident abroad, for example.
If in this instance you were travelling to Seattle, for example, coverage which encompasses legal consultation fees for a car accident lawyer would be unnecessary since there are legal firms like Khan Law Firm PLLC which offer free consultation services. If your travel insurance package covers such services, whether you use that specific service or not, you’re still paying for its coverage.
So it’s important to make sure to always get tailored travel insurance, even though this basically just means you need to pick travel insurance coverage which is closest associated with your specific needs. If you have a pre-existing medical condition for example, naturally some travel insurers may charge a bit more for the coverage they’ll offer you, but that’s all part of the process of making sure you are indeed covered should something happen as opposed to finding out when it matters most that because of a certain technicality you don’t quite qualify for the payout you so dearly need!