• Avoid Travel insurance if your current health insurance policy covers you abroad.
• If you make more than two overseas trips a year- buy annual policy as it will be more cost effective.
• Consider f amily travel insurance – combining policies for couples or families is cheaper as the costs are higher 'per trip' than 'per person'.
• Over 65 old – many insurers offer discount packages for this age.
• If you have a serious medical condition - it could considerably increase the insurance rate thus it may be an idea to get a quote excluding these pre-existing conditions.
• Don not forget that s ingle trip travel insurance is thought to be the most expensive travel insurance.
• Consider the companies network - there is no sense in going with a company if your doctors do not accept them.

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