When it comes to buying the apt travel insurance cover, people think picking the one with highest premium is the best thing to do. The logic behind this is that they assume high premium insurance will cover them against every possible risk and there would be nothing to worry about. Reality however is very different and one needs to be careful when buying travel cover. Below mentioned are a few tips that can help you taking the right decision.Shop as per your travel needs: If you are a person who travels frequently due to the nature of your business then annual travel insurance will be apt choice for you. This not just saves you from applying for travel cover every now and then but also saves a lot of your money. You are covered for a certain amount for the entire year and the premium amount too is charged depending on the same. You may feel it is expensive whereas it is a cost-effective option. On the other hand if you undertake holiday trips with your family then family travel insurance will cater to the needs of your whole family. From the toddlers to the elderly and even your spouse; a single insurance plan will suffice.Shop for multi-cover insurance: A few travel insurance policies offer very basic coverage which at time may include only your loss of baggage. Do not fall for such plans even if you are buying a low premium policy, be sure to check that it doubles up as a medical insurance too. When on holidays most of us indulge in adventure sports and uncertainties can strike anywhere so it is better to stay covered against such instances.Check for the claims process: Buying insurance is easy but is the claiming procedure the same as well? This is a question you need to ask your insurance provider and decide whether it suits you or not. For instance some travel coverage providers offer round the clock assistance while some may take time to get back to you. Look for a company who is ready to offer you help the moment anything goes wrong. Insurance claims are easy and convenient if they can be settled the moment any emergency arises. Reliable insurance providers will always be there to assist you during the need.Travel insurance is a must presently as nobody is safe in any corner of the world. Just like life and medical claim insurance travel coverage too is essential for variety of reasons. The power to choose will always be in your hands so make sure you opt for the best available option.