Insurance can protect you from unexpected events when you’re on vacation, whether you have to cancel your travel booking or fall ill. But to take advantage of the coverage, you need to avoid these common mistakes.

3 Common Travel Insurance Mistakes

1. Waiting Too Long

It may seem practical to purchase coverage that begins on the day you arrive at your destination. But that doesn’t cover anything that might occur before that, like a delayed flight due to mechanical problems on the plane or inclement weather conditions. Or you or a loved one may have a medical emergency in transit that requires costly treatments.

To be safe, buy your policy at the same time you arrange your travel booking so you can be covered for all possibilities.

2. Choosing the Wrong Coverage

Not all insurance plans provide widespread coverage, and navigating the many options can be confusing. Travel agents offer comprehensive plans that cover trip cancellation, theft, medical expenses, and transportation, among other events.

The right plan for you depends on the length of your trip and destination. A shorter jaunt to a place you visit often may only necessitate coverage for delayed flights and lost luggage.

If you’re traveling to a country where you’re more at risk of contracting a serious ailment, you might elect to purchase extra medical coverage.

If you’re participating in an extreme sport during your trip, your plan should cover any possible injuries or damages that could occur.

3. Neglecting to Provide Documentation

If you need to file a claim, you must provide adequate proof to back up your assertions. This may include documentation from a medical provider, receipts for your expenses, or a delay or cancellation verification from an airline. In most cases, you’ll need to provide a copy of your original travel itinerary too.

Missing even one item could invalidate your claim, so read the fine print thoroughly.

To ensure your next trip is properly insured and covered, turn to the professionals at N & K Travel Service in Honolulu, HI. Backed by 30 years of experience, the agents will select an appropriate package that covers trip cancellations, interruptions, delays, and medical expenses so you can relax and enjoy your getaway without worry. They also provide comprehensive travel booking assistance, from itinerary creation to visa procurement. Visit them online to find out more about how they can help you, or call them at (808) 739-9010 to start planning your trip.