Travel insurance is something everyone tells you is non-negotiable, but often it just feels like an extra, so let’s address your questions and concerns and help you understand why it's so important to secure your trip with insurance.
Is travel insurance and health insurance the same?
Unfortunately, health insurance only covers one thing: medical issues. The reality is that travel insurance covers a wider umbrella of things that are likely to go wrong overseas such as the following:
My credit card comes with insurance, that's plenty right?
Certain credit cards offer you travel insurance if you book with the same card, but it's important to note that not all of these bundles will offer you what you want. Some have low coverage limits and others have no cover for add-ons you may need. In this case, it's best to check your needs and see if you want independent insurance instead.
How does travel insurance even work?
This is a great question, and a common one because it's not straightforward. If you experience a disruption in your plans, you pay upfront and then submit documentation to the insurance company for reimbursement. If something is more serious, you can call a 24-hour number (or someone else can) and they can arrange help if it's required.
What if I hurt myself?
You’re not likely to be covered if you cause the injury through negligence. You may still be able to claim on your insurance but you may only be partially covered or need to pay your excess in order to make the claim, and it may not be worth it.
What about Covid 19?
Many insurance companies now offer limited pandemic coverage, and this often only covers medical issues that may arise or trip interruptions. It’s best to look into this if it’s a priority for you and remember to read the fine print as many companies say they offer pandemic coverage, but often they don't offer anything comprehensive.
How do I even choose an insurer when there are hundreds?
It can be a hard task to find the right insurance provider, and Sing Saver knows this. This is why they offer a comparison tool right on their website to find and select the best insurance for your personal needs. Just type in your travel data and start comparing, it’s as easy as that!
