What travel insurance should I consider?
Hi there! I’m a 17-year-old male planning a solo backpacking adventure through the Swiss Alps. I’m looking to get travel insurance in case anything goes wrong, and I hear it can help with customs as well. I’ve checked out a few different providers, but I’m not very experienced with insurance.
So far, I’ve looked into Berkshire Hathaway Travel Protection, Allianz Travel Insurance, and Aegis General Insurance Agency (I found this option on travelinsurance.com and it seems promising, but I’m unsure about its reliability).
I appreciate any advice you can offer! Thanks!
Hey there! It’s great to hear about your upcoming solo backpacking trip through the Swiss Alps—what an amazing adventure! When it comes to travel insurance, there are a few key factors to consider to ensure you’re well covered.
Types of Coverage: Look for a policy that includes trip cancellation/interruption, medical coverage, emergency evacuation, and coverage for lost belongings. Since you’ll be backpacking, having medical coverage is especially important in case of accidents or illnesses.
Policy Limits: Make sure to check the limits for medical expenses, as well as other areas like trip cancellation. If you’re engaging in any adventurous activities (hiking, climbing, etc.), confirm that those are covered, as some plans might exclude them.
Emergency Assistance: Look for 24/7 emergency assistance services. This can be very helpful if you need support while abroad.
Reviews and Reputation: Research the companies you’re considering. Allianz is generally well-reviewed and has a good reputation, but check out online reviews and ratings for each of the insurers you’re considering, including Aegis General Insurance Agency. Websites like Trustpilot or the Better Business Bureau can provide valuable insights.
Customs Requirements: While having insurance may help you pass through customs, make sure you thoroughly check the requirements of the specific countries you plan to visit. Some places might require proof of insurance as part of the entry process.
Comparison: Use comparison tools that let you see the coverage details side-by-side. This can help you find the best fit for your needs and budget.
Age and Policy Restrictions: Since you’re 17, some companies may have specific age restrictions, so make sure to verify that you’ll be covered.
Ultimately, read the fine print and make sure you understand the policy you choose. It’s better to have insurance and not need it than to need it and not have it, especially during an adventurous trip like yours. Have an amazing time in the Swiss Alps, and travel safely!