✈️ 6 Essential Questions Every Traveler Should Ask Before Buying Travel Insurance
Planning your next getaway is exciting, but figuring out travel insurance can feel overwhelming. With so many options and fine print, where do you even begin? Don’t worry—we’ve got your back (pun absolutely intended). To help you make a confident and informed choice, here are six key questions you should always ask your broker, agent, or advisor before purchasing a policy.
1. How does my plan cover pre-existing medical conditions?
Not all plans treat pre-existing conditions the same way. That’s why it’s important to ask:
- What counts as a pre-existing condition?
- How does the coverage apply to my specific health situation?
At TuGo, for example, age, trip length, and stability are major factors in determining pre-existing condition coverage. If you’re 60 or older, you’ll also be required to complete a Medical Questionnaire—your answers help set your premium. While this might sound intimidating, it ensures your coverage matches your health needs.
👉 Want to know more? Explore Travel Insurance & Pre-existing Medical Condition Stability and TuGo’s Traveller Medical Questionnaire: FAQs for Senior Travellers.
2. Am I covered for adventurous activities?
Vacations aren’t just about lounging by the pool. For many, the real thrill comes from hitting the slopes, diving into the ocean, or hiking breathtaking trails. But here’s the catch: not every travel insurance plan covers high-energy activities.
TuGo’s Emergency Medical Insurance covers many popular activities, and for adrenaline-seekers, we offer additional Sports & Activities Coverage. Whether it’s scuba diving, bungee jumping, or backcountry skiing, you can chase adventure knowing you’re protected.
3. What happens if my trip gets cancelled or interrupted?
Flight delays, cancellations, and unexpected interruptions are becoming almost inevitable. That’s why understanding the difference between emergency medical coverage and non-medical coverage is crucial.
Non-medical protection like Trip Cancellation & Trip Interruption Insurance ensures you don’t lose the money you invested if you have to cancel due to unforeseen circumstances such as pregnancy, job loss, illness, or even a death in the family. Combined with Emergency Medical Insurance, you’ll have complete protection—from health emergencies abroad to last-minute changes at home.
4. How do claims actually work?
Let’s face it: no one looks forward to making a claim. After all, it usually means something went wrong. Each insurance company has its own process, so it’s smart to ask upfront how it works.
At TuGo, we keep it simple with a 4-step claim process. The golden rule? Save your receipts, medical bills, and travel documents. These are essential to confirm your claim details and speed up reimbursements, whether the funds are going to you or directly to your healthcare provider.
5. How reliable is the company I’m buying from?
Insurance isn’t just about policies—it’s about trust. Asking about the insurer’s reputation and history can give you a clearer idea of their reliability and customer support.
TuGo, for instance, has been proudly serving travelers for more than 60 years. Our long-standing experience, customer-first approach, and strong assistance services are proof that when plans go sideways, we’ll be right there with you.
6. How much does it really cost—and is it worth it?
It’s tempting to go with the cheapest option, but when it comes to travel insurance, you truly get what you pay for. Think of it this way: would you ever jump out of a plane with a discount parachute? Probably not.
A solid travel insurance plan is an investment in your health and financial security. It ensures you’re not left vulnerable to enormous medical bills or unexpected losses while abroad. The key is finding a balance between affordability and comprehensive coverage—cheap isn’t always safe, and safe isn’t always cheap.
🌍 Final Thoughts
Choosing travel insurance doesn’t have to be complicated. By asking these six essential questions, you’ll be better prepared to find a plan that actually works for you. Whether it’s protecting your health, your wallet, or your peace of mind, the right policy ensures your only worry is enjoying your adventure.
And if you’re ready for a deeper dive? Check out The Complete Guide to Buying Travel Insurance—your go-to resource packed with helpful tips, a cheat sheet, and everything you need to know about TuGo’s most popular coverage options.