If you are planning a trip to Portugal, you might want to consider taking out travel insurance to cover you and your belongings from unforeseeable events.
Is travel insurance worthwhile?
Travel insurance is a cost-effective form of insurance that can cover you and your belongings from any unforeseeable events such as illness, injury or lost luggage and theft and only makes up 5 to 10% of your overall travel costs. It can be a necessary investment and may be required for visas to Schengen countries such as Portugal. If you are interested in taking out travel insurance and want to get the best deal possible, you can look at Opinioesja.pt, a review site for Portuguese insurance companies and other travel-related retailers.
Reputation is key
When taking out travel insurance, it is important to get your insurance from a trusted source. This can be from your current medical insurance company, some credit card companies, as well as through other reputable travel insurance companies. If you want to take out travel insurance from a highly rated company with competitive rates, you might like Allianz, a travel and asset insurance company. By clicking on this link, you can read real-world reviews from other people who have made use of this company’s products and services, which can assist you in deciding where to get your travel insurance.
Existing Insurance Controls
Travel insurance through a credit card company or your existing medical insurance company should be your first point-of-call. You can get free medical travel insurance through these suppliers at no extra cost, as long as your flight tickets were purchased using the credit card. You can add to the free coverage offered by a credit card company by upgrading your options at a cost. It is advisable to contact your credit card or medical insurance company to see if they offer free travel insurance, and what exactly it will cover you for, as they might not offer rental car insurance coverage and coverage against loss of belongings due to theft.
Does Travel Insurance Include Healthcare?
Travel insurance can cover you in the event of illness or injury when travelling. While some insurance companies might require you to pay any costs upfront and claim it back from them when you have returned, others will pay all necessary costs on your behalf. You will need to check your policy from these terms and conditions. In the event of your luggage being lost en route to your destination, or because of theft, they will reimburse you for the cost of replacing your luggage and your possessions.
Are you covered for rental car hire?
If you are renting a car while travelling in Portugal, travel insurance is a necessary requirement. Here, travel insurance will cover you from any damage that may occur from an accident while driving a rental car. It is important to check your insurance policy for the details of your coverage.
Compare as many insurance companies as possible
To get the best travel insurance available, look at all the options available to you and compare the costs and what they will cover you for. While some companies may offer free travel insurance, like your existing credit card or medical insurance company, they may not cover you for everything that you might need to have insurance for. Always read the policies carefully and keep a copy of the policy in your hand luggage where it is easy to find should you need it.