Travel insurance excess is the amount you pay first when you make a claim, before the insurer pays the rest. If the excess is set at a certain sum and your claim is smaller, you may receive nothing. It is also called the deductible.
A useful companion read is travel insurance for a honeymoon.
Why does travel insurance excess matter for us?
A lower premium can come with a higher excess, so a cheap policy may cost you more on the day something goes wrong. For a honeymoon, the likely claims are a delayed bag, a missed connection, a medical visit or a cancelled booking. Knowing the excess for each of these helps you choose a policy that fits the trip.
How does travel insurance excess show up in a quote?
A policy summary may say “Excess applies per person, per claim” or “Excess waived for medical emergencies”. Read whether the excess applies to each of you separately, and whether it applies to each item in one incident. Two policies at the same price can differ widely on this line.
What should we ask about travel insurance excess?
Put these questions to the resort or agent, and ask for the answers in writing:
- What is the excess for medical, baggage, delay and cancellation claims?
- Does the excess apply per person or per policy?
- Is there any claim type where the excess is waived?
- Does the policy cover our planned activities, such as diving or island hopping?
Where to go next
Two more pages help you check the rest: adventure activities and travel insurance and what happens to a booking when the wedding is postponed. Send us the quote and we will go through it with you.