Which travel insurance suits your backpacking adventure?
Are you about to leave the Netherlands for beautiful Thailand? Then taking out continuous travel insurance could be a smart move! You can then be sure that wherever your adventure takes you, you are well covered for unforeseen circumstances. Here you will find everything you need to know about continuous travel insurance!
Different types of coverage
It is important to know that a ongoing travel insurance offers coverage for multiple trips during the year, with a maximum number of days per trip. When taking out your travel insurance, you can choose from different types of coverage, such as medical costs, cancellation, loss of luggage and theft. Check which specific risks are covered and select an insurance policy that best suits you and your budget.
Details of your trip
Each Travel Insurance has a maximum number of days that each trip may last under the insurance. This is usually between 30 and 90 days. If you plan to travel for longer, you may need to choose additional coverage. Otherwise you run the risk of not being covered at all during your trip. Also check whether your insurance covers the destinations you are traveling to. Some policies have restrictions or even exclude remote or exotic areas altogether. When you know exactly what is possible within your travel insurance, you can take full advantage of the protection it offers.
Deductible and coverage
Every insurance has a deductible, such as your health insurance. The deductible is a threshold amount that you bear yourself in the event of damage or loss. The remaining amount will then be paid by your insurance. Before you travel, it is smart to review your deductible and check under what circumstances this applies. Sometimes the deductible only applies to specific coverage, such as medical costs or cancellation. Also check the maximum coverage for each category, which is the maximum amount the insurer will pay out. Knowing this will ensure you have realistic expectations about what to expect in the event of loss, theft, or other unforeseen situations.
Policy conditions
Read the policy values of your insurance carefully before you leave for Thailand. In addition to the deductible, maximum coverage and duration of the trip, the policy often contains a number of exclusions that may affect the validity of your coverage. A common exclusion is pre-existing medical conditions. Some continuous travel insurance policies do not provide coverage for health problems that existed before you took out travel insurance. It is important to look at how the insurer deals with this. Certain activities or situations can also be excluded. Consider extreme sports, such as mountain climbing, parachuting, or deep-sea diving.