Do I need travel insurance and how much should I buy?

Travelling comes with a lot of planning and expenses. From airfare to hotels and rental cars, it is easy to forget some essential things like travel insurance. Imagine you or a member of your family get seriously injured in an unknown area around Surprise, AZ. It is obvious that emergency medical treatment could be more expensive as it varies from one place to another. That is why at Giles & Iten Insurance, we recommend buying travel insurance to extend a layer of protection wherever you go.

When should I buy travel insurance?

Travel insurance is not mandatory in Utah. However, that doesn’t mean you don’t need one. Expensive and lengthy trips may require you to purchase insurance, especially when it comes to non-refundable services and products. That means small distance travels like visiting your grandmother up the hill does not need insurance. Travel insurance is pretty flexible and easy to navigate. The comprehensive package even comes with ‘ cancel for any reason’ coverage. This helps you safeguard your finances in case you want to cancel your trip.

What type of travel insurance can you buy?

Travel insurance is a versatile policy that comes with a wide range of policies to choose from. However, it is always prudent to know your needs before picking any type of travel insurance. You will want to consider factors such as:

  • Where you’re going
  • The kind of trip you will be taking
  • The duration of the trip
  • Your age and medical condition
  • The sort of activities you will take part in your trip 
  • The people going with you

Whether it is a straightforward trip or a tour that is full of unknowns, there will always be a policy designed to fit your needs. If you have a medical condition or are pregnant, be sure to check whether your condition is covered before you buy it. You may need to buy a separate policy to cater to these needs.

For more information about travel insurance in Surprise, AZ, talk to our insurance experts at Giles & Iten Insurance today.

Tips for buying travel insurance

When booking a holiday, it is tempting to skip the travel insurance policy and spend that extra cash on your vacation. However, travel insurance is critical to make sure you are not out additional expenses when something goes wrong on your trip. If you live in the Surprise, AZ area and are interested in travel insurance for your upcoming trip, reach out to an agent at Giles & Iten Insurance today. 

Get the dates right 

Make sure you are covered for the whole trip. Putting the wrong dates down is an easy mistake, but it is one that can be costly. If you put in the wrong dates and are on your trip one day over your policy term, you would not be covered. Be sure to take into account time changes when you are flying to ensure you have full coverage. 

Make sure all of your locations are covered

If you are visiting more than one location, it is essential to make sure each country is covered under the policy. Some areas might be excluded or have limitations, so be sure to check with your agent.

Declare your pre-existing medical conditions 

Informing your insurance provided of any pre-existing medical conditions is critical to make sure you are covered for any medical care you seek while traveling. Most insurance providers have a list of conditions that will be automatically covered; however, there are some conditions that you make need to pay extra for coverage. 

Are you planning high-risk activities? 

If you are going on an adventurous trip, you will want to confirm with your insurer to make sure all of your activities are covered. Insurers often exclude what are considered high-risk activities such as skydiving, bungee jumping, or even horseback riding. If you are doing anything out of the norm, it is best to double-check with your insurer. 

If you would like to learn more about travel insurance for your trip, reach out to an agent at  Giles & Iten Insurance today. We proudly serve the Surprise, AZ area.