* Buy one policy for the whole family
Buy one travel insurance policy that covers the whole family, rather than buying one policy per person. Family travel insurance rates are often available and are usually cheaper. As well, if you are travelling with children, keep an eye out for those insurers who will insure kids for free as long as a parent is insured along with them.
* Buy an annual multi-trip policy
Multiple-trip policies mean that for one annual rate, you will have emergency medical travel insurance coverage for every trip you take within the year after the policy is issued. Quotes for a variety of trip lengths are available too.
* Buy what you need – no more, no less
If you’re taking a road trip, or going on a last minute getaway, chances are you really only need to buy emergency medical coverage. Anything else and you’ll probably be over-insured and paying too much.
With trips where you might like more coverage (like trip cancellation/interruption, baggage protection, and emergency medical) make sure you buy one all-inclusive travel policy that provides all three coverages you want, rather than purchasing separate policies. It will save you money.