Your trip is booked and all your reservations are made. The next thing on your 'to do' list before you head off on that much deserved holiday is: Buy travel insurance. No doubt you have many questions that need answers before you can decide which travel insurance company best meets your needs - questions such as: What should travel insurance cover? How much should I be paying? Is there usually a deductible?

You will be able to wade through the many different travel insurance plans offered and find the most suitable package for you and your family by asking insurance companies the following pertinent questions:

Questions

- What is covered in the plan?

- What is not covered in the plan?

- Is there a deductible that must be paid for each claim?

- Does the plan deny benefits for a pre-existing condition? If not, how much more will it cost to cover a pre-existing condition?

- Are there any exclusions pertaining to sports or other activities?

- Is every member of my family covered?

- What is the average time frame for a claim to be paid?

These questions will help you cover all the important bases while shopping for travel insurance. They can prevent unpleasant surprises such as having to pay for unforeseeable circumstances once your claim is reviewed.

Many travellers neglect to buy travel insurance because shopping around for the perfect plan can be stressful. However, their stress level would likely double should any unfortunate event occur during their trip. Why take the risk? Travel insurance can take care of you and your family while you have the vacation of your dreams.