No one likes to think about the possibility of getting sick or injured while on vacation, but the truth is, it can happen to anyone at any time. So if you need medical care while overseas, you’ll be glad you have travel insurance. But what happens if your policy is set to expire while you’re still on your trip? Can you extend it? The answer is yes, in most cases.
Here are five tips on extending a travel insurance policy while you’re away from home.
This post is part of our family travel advice series
Contact your insurance provider as soon as possible
If you find yourself needing to extend your coverage, the first thing you should do is contact your insurance provider. Explain the situation and ask about their options for extending coverage. Some insurers can extend your travel insurance policy without any problem, while others may require that you purchase a new one. In either case, it’s important to have the peace of mind that you’re covered in case of an emergency.
Review your policy documents carefully
Before you contact your insurer, take some time to review your policy documents. Familiarise yourself with the terms of your coverage and look for any restrictions on extending coverage. This will help you understand what options are available to you and make it easier to have a productive conversation with your insurer.
Get a quote for an extended policy in advance
If you know you’ll need to extend your travel insurance policy; it’s a good idea to get a quote for an extended policy in advance. That way, you’ll know how much it will cost and can budget accordingly. Getting a quote in advance will also help you compare prices from different insurers and choose the best option for your needs.
Increase coverage when extending travel insurance
Depending on your needs, you can add many different types of coverage to an extended travel insurance policy. For example, travelling to a country with poor healthcare facilities may require you to increase your medical coverage.
You can also add personal liability coverage if you are concerned about being held responsible for any accidents or injuries you might cause while abroad. By carefully considering your needs, you can ensure that your extended travel insurance policy provides you with the right level of coverage.
Consider purchasing annual travel insurance coverage
If you travel frequently, consider annual travel insurance coverage instead of buying separate policies for each trip. Annual coverage is typically more expensive than per-trip coverage, but it can save you money in the long run if you take several trips per year. Plus, having annual coverage means you’ll always be protected in case of an emergency while travelling.
Final thoughts
Travelling is an exciting experience, but it’s important to be prepared for the unexpected. If you need to extend your travel insurance policy overseas, contact your insurer as soon as possible and review your policy documents carefully before taking action. With these tips in mind, you’ll be able to extend your travel insurance policy without any problems so you can enjoy your trip stress-free.
You may also like to read why our family always travels with insurance
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