How do you find the best-value travel insurance policy?

Everyone these days are looking for the best deal, and rightly so.  With so many websites offering insurance comparisons and options many insurance companies are discounting their prices significantly in order to rank as the best value out there.

And What’s wrong with that you might ask?

As a rule nothing, insurance has never been more affordable but there are things to be aware of.    Prices have been falling sharply, to the point where you can buy an annual, multi-trip policy for only €30. But when you look more closely at the conditions, you can see why. On some of the cheaper policies, baggage cover has fallen from the old “standard” of €1,500 to €750 or less. The excess – the amount deducted automatically from an insurance payout –some companies pitch it at €200.  Some no longer cover repatriation or certain medical conditions, loss of money or specified valuable items.

You need to keep in mind your needs with regards to your travel insurance.  Different travellers have different needs depending not only on their age, but also on the value of their luggage, the type of travelling they do (there are endless exclusions and limitations relating to outdoor activities), how often they like to travel, how risk-averse they are and so on. In the case of skiers and snowboarders, there are other things to think about such as winter port cover.

Here at Shandon we offer a range of policies from Backpacker policies to Premium Policies and we also offer options for specified activity cover.  A common one that we find is cover for Hiking above 4000ft or common activites that you would do overseas such as surfing, diving or sailing.

Here is a quick breakdown below to help you with you Insurance Decisions.

Annual Travel Insurance
Travelling more than once a year? We offer cover for unlimited trips for up to 60 days any one trip. Include Travel Disruption Cover for added protection for unexpected events at home or abroad such as Volcanic Ash or Bad weather. We offerdiscounts for Private Health Insurance members.

Main Points:
Cancellation or Curtailment – cover up to €6000 with an excess of €65
Baggage – cover up to €3000 with an excess of €65
Delayed Baggage – cover up to €250
Replacement of Passport – cover up to €250
Medical Expenses – cover up to €10,000, 000 with an excess of €65

Single Trip Travel Insurance
Low cost insurance for your trip whether it’s a sun or ski holiday, weekend break or worldwide trip. Our cover includesCancellation & Curtailment, Medical Expenses, Baggage,Travel Delay, Delayed Baggage, Missed Departure, Personal Liability , Personal Accident, Schedule Airline Failure and Third Party Supplier Insolvency.

Main Points:
Cancellation or Curtailment – cover up to €6000 with an excess of €65
Baggage – cover up to €3000 with an excess of €65
Delayed Baggage – cover up to €250
Replacement of Passport – cover up to €250
Medical Expenses – cover up to €10,000, 000 with an excess of €65

Backpacker Travel Insurance
Competitively priced insurance for Long stay trips abroad, including working holidays, J1 trips, gap year & working programmes covering up to 24 months travel worldwide. Cover includes up to 50 sports activities and working holidays. Optional Exam Failure Cover for Students for exam re-sit return trips to Ireland.

Main Points:
Cancellation or Curtailment – cover up to €2000 with an excess of €105
Baggage – cover up to €1200 with an excess of €105
Delayed Baggage – cover up to €150
Replacement of Passport – cover up to €250
Medical Expenses – cover up to €3,000, 000 with an excess of €125.

To get your Travel Insurance Quote today click here

Many of us travel with an array of digital devices from our Smartphone & Ipod to our Tablets and Laptops. If you would like separate cover for these devices for peace of mind click here

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