Buying travel insurance online is a very good way of procuring your policy directly from the provider.  If you enter the words “cheap travel insurance” into your favourite search engine, you will be presented with at least half a dozen companies some of whom are selling directly to the consumer and not through retail outlets such as travel agents. By having a presence on the internet, discount insurance can be offered directly to the public like it has never been able to be offered before.  The potential purchaser is able to access information from as many provider as he wishes, compare what is on offer, and make his own decision as to his preferred insurer.  It would be an interesting exercise to have been able to ask travelers 20 years ago where they would have gone to find out about travel insurance. Today, we just surf…..

Taking out travel insurance is a very wise thing to do, in fact if you look at the Australian Government travel advisory websites, they make the statement more than once that if you can’t afford travel insurance then you can’t afford to travel. Maybe a bit too profound, but we get the message !

Policies are available from a vast number of insurers, but there are big differences in the cost of cover and what is covered, so be careful to select a policy to cover your needs.  If you are going to be undertaking extreme sports, some policies will not cover you, but there are those out there that do within certain guidelines. There are certainly policies aimed towards skier and snow boarders that are very looking into prior hitting the slopes. Many insurers will not cover people over the age of 70 years of age, with different ages attracting varying loadings, but there are still cheaptravelinsurance policies available for senior travellers from selected insurers where you buy direct.  Cheap travel insurance doesn’t have to mean that you compromise on overseas emergency medical assistance and hospital costs cover or disruption of journey cover, or any other aspect of travel insurance if it comes to that, you just have to select the right discount insurance.

Discount insurance rates are often something that backpackers are seeking prior to setting off on their adventures.  Once again you can find cheap travel insurance online if you have a good look, and there are companies out there offering cover specifically for backpackers and students, at discount rates. If there is a group of you setting out together consider a group policy, cover is available from some providers with discounts ensuring even better cheap travel insurance.

Buying direct is definitely the way to find cheap travel insurance, start by searching on line, getting quotes using the facilities provided on websites and securing yourself the insurance cover for you at the best possible prices.  So buy direct & save!  Happy traveling!