What is the most important coverage to look for in travel insurance?

What are the most important things to consider when choosing a travel insurance policy?

Hi there,

The most important thing to consider when choosing a travel insurance policy is the main risk you want to insure yourself against. For example, you may be most concerned about the costs you may incurr if you became seriously ill or had an accident while traveling. Or perhaps you want to insure the money invested in travel bookings.

Medical expenses can potentially be very high in some countries, so you should make sure that you are adequately covered. You should make sure that a policy covers the costs of repatriation to Switzerland or to a country where you can receive quality medical treatment. If you have supplementary health insurance, find out whether or not your policy already provides adequate travel medical insurance.

Trip cancellation and interruption insurance is also important because it reimburses the costs of bookings which you are unable to use, and bookings are often expensive. Take care to review the covered hazards carefully before you settle on a policy. The covered hazards should match those which could actually potentially happen.

Other travel insurance coverage is useful for certain people. Search and rescue insurance is useful if you like to wander off the beaten path. Luggage insurance is beneficial if you travel with valuable luggage. Luggage delay compensation is important if you are reliant on your luggage. Trip delay expense compensation is a nice perk, but is less financially significant.

You can use the sort tool in the moneyland.ch travel insurance comparison to sort policies based on specific coverages.

Best regards from Moneyguru

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