When planning a trip, travelers may have a difficult time determine what to include in their travel insurance policy. There are many options for coverage, so understanding what is available and what is needed is important when choosing coverage. Here are a few tips on determining the right travel insurance policy for your trip.

Different Requirements for Different Destinations

The 26 European countries within the Schengen area require all travelers to have a travel insurance policy in place before arriving. However, some Nigerian neighboring countries do not require passports, but a travel insurance policy may be important for potential health emergency needs. Trips across the world may be expensive and purchasing a travel insurance policy would be beneficial.

Travel Insurance Required in Schengen Embassies

Those who are traveling to a country within the Schengen area will need to purchase a travel insurance policy as it is required by all Schengen Embassies. The Schengen area includes Austria, Belgium, Czech Republic, Denmark, Greece, Estonia, Finland, France, Germany, Hungary, Italy, Lithuania, Latvia, Netherlands, Norway, Malta, Iceland, Luxemburg, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland and Poland.

Cover High Cost Items in the Travel Insurance Policy

Expensive trips, such as an extended overseas trip, or high-end personal belongings should be included in a customized travel insurance policy. Companies offer plans that are affordable and comprehensive. By including high cost items and belonging, your travel insurance policy could include loss or stolen items, such as your baggage or personal property.

Include Unexpected Happenings in the Travel Insurance Policy

To keep peace of mind, prepare for the unexpected when purchasing your travel insurance policy. Most will include emergency medical services, canceled flights, evacuation costs and trip cancellations. Some plans even cover delayed or missed departures and personal accidents. Natural disasters and unexpected family emergencies can never be planned, so be sure to protect your trip from the unexpected.

Cover all Dates of your Trip

Make sure your travel insurance policy includes all the travel dates included in your trip. If an unexpected medical emergency happened outside of your coverage dates, you may not be covered. It’s also important to extend your coverage if you lengthen your trip to ensure you and your belongings are properly secured. Most travel insurance policies cover holiday and business trips, but make sure you clarify when speaking with an agent if you are planning to travel over a holiday or are departing on a business trip.

Purchasing a travel insurance policy is not something nice to have in place; it’s a necessity when traveling. Such policies can include specific options to fit your traveling needs. It’s important to cover high-cost items and plan for unexpected weather or family emergencies. By picking the right travel insurance policy for your trip, you can enjoy relaxation and peace of mind.