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Before choosing travel insurance, you need to do your research and find out what kind of coverage you need. Choosing the right travel insurance plan will depend on a few factors, including your budget, preferred coverage, type of trip, and level of travel adventure.
Two things to consider when deciding what’s important to you are coverage designed to address travel cancellations and the challenges associated with Covid-19. You’ll also want to consider whether you’ll need baggage cover in case of lost or delayed arrivals. If you’re thinking of renting a car, decide whether you want that included in your travel insurance or whether you want to buy it from a rental company. If you’re planning a vacation or backpacking trip, you’ll find that there are insurances that are tailored to specific types of trips. If you’re traveling with expensive work equipment like cameras or audio gear, definitely consider getting coverage for this. Finally, there are incredibly flexible (but expensive) “cancel for any reason” policies that cover all the reasons you need to cancel, as long as you buy into your chosen plan and cancel policies.
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