Tips for Young People Purchasing Travel Insurance

Published: 09/12/2012

Young people who are travelling abroad are advised to obtain some travel insurance. One of the advantages of being young is that we tend to be optimistic in regards to our own health and safety. We don’t expect anything to go wrong for us on holiday, and this can allow us to rationalise not buying travel insurance. This type of reasoning is foolhardy because:

  • Accidents and mishaps can happen to people of any age.
  • Young people are often willing to take more risks on holiday, and this means that they are more likely to need to make an insurance claim.
  • Young people tend to be less stable in their careers and life in general. This can mean that they are more likely to need to cancel their trip.
  • If people become ill or get injured while abroad they can be in real trouble unless they have appropriate insurance.
  • Those young people who are going travelling for an extended length of time may be bringing along some of their most valuable possession. If these are not insured it may be difficult to get these replaced.
  • The adventurous spirit can take people to remote parts of the world where medical care may be inadequate. The right travel insurance will mean that they can be air lifted home or taken to a place where they will receive proper medical attention.

Tips for Young People Purchasing Travel Insurance

If young people just purchase the first travel insurance they are offered they are unlikely to get the best deal. There is a much to choose from, and it can take a bit of time and effort to make the best choice. It is important not to just compare policies based on price because what is being offered also needs to be taken into consideration. Here are just a few tips for getting the best travel insurance possible:

  • Those young people who will be travelling with their parents should be entitled to cheaper insurance. It can also be cost effective to purchase family insurance rather than individual insurance.
  • It is recommended that people consider the amount of coverage they need before they begin looking for quotes.
  • The key to finding the best deals is to understand what is being offered. Some policies can be cheap, but they are still a waste of money because the coverage offered is so minimal.
  • These days the best options on travel insurance are to be found online. This is because these operations have fewer overheads so they can pass on savings to their customers.
  • It is important to compare multiple quotes in order to find the best deals. This means devoting a bit of time to doing the research.
  • The internet means that it is now possible to compare multiple quotes almost instantly. Just be careful when using one of these price comparison websites that they are not favouring one particular company.
 
Posted in: Travel Insurance
 
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The Travel Insurance products available herein are underwritten by UK General Insurance Ltd on behalf of Ageas Insurance Limited. Registered in England No. 354568. Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA. UK General Insurance Ltd and Ageas Insurance Limited are both authorised and regulated by the Financial Conduct Authority. Downunder Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 306618.