When preparing for travel you have to be ready for unexpected incidents. That’s where travel insurance comes in. There are two popular types of travel insurance:

• Accident insurance, which covers funeral expenses for preparation and return of the insured’s body to hometown.
• Accident plus medical health insurance, which covers hospital and medical expenses too. But insurance premium is higher than for accident insurance.
The insurance premium depends on benefits and risks of each journey.

How to purchase travel insurance

After checking information and choosing an insurance company then make a phone call to the company. The company will ask for personal information such as name, surname, and address. You may be asked to send your identification card too. You should tell the company details of your journey such as where and how you plan to go, and how long the trip would last. After that the company will send an official acknowledgement signed by an authorised person and a receipt to you. You have to keep the documents as records.

Suggestion: Frequent travellers should buy travel insurance coupon from the company you are in contact with. It is more convenient and cheaper than buying per trip.

Most of the travel coupon is valid for one year. When you want to travel you just inform your name, surname, and age, plus your coupon’s number to the company. The company will contact you and ask for details of your trip. You then wait for an official acknowledgement signed by an authorised person and a receipt. You have to keep the documents as records.

The most important thing in purchasing the travel insurance is the accuracy of your name and surname as it is needed for verifying when an accident takes place during your trip.