Without a doubt Travel Insurance is the number one purchase you can make for any trip, regardless of location or length of time.
Given the events we’ve just had to endure regarding the C-19 word, you really never know what can happen when you’re travelling to any destination.
So it’s an incredibly wise decision to not run the risk and cover yourself with a good policy.
There are so many fantastic places to visit around the world, some perceivably more dangerous than others.
But regardless of where you are you never know what sticky situation you may find yourself in, so having a good insurance policy will protect you should anything go wrong no matter where you are on the planet.
When shopping for insurance you will want to ensure that certain aspects are covered so you’re not hit with any nasty surprises or ridiculous bills should you need to be protected.
Things To Look For:
Medical Cover
Does your policy cover you fully so that you can receive full medical attention should you need it, and even get you back home?
And what factors if any would disqualify you from being able to claim for medical cover?
For example, some policies may stipulate that you’re not covered if you’re intoxicated and partaking in activities such as cliff diving or driving, which counts as reckless behaviour.
Lost/Damaged Baggage
If you lose your items or they’re damaged by a baggage handler whilst on your journey, what kind of compensation could you expect to receive?
If you’re on a long journey and your luggage is lost, are they going to reimburse you with enough money so that you can replace all of your stuff?
Delay Or Cancellation
Airlines and Travel Companies can be unreliable, if something goes wrong that’s not within your control, will your insurer help cover the costs of emergency accommodation?
Will they pay for meals whilst you wait for the travel company to find a solution to your cancelled or postponed flights?
Tech/Valuables Cover
If you’re taking valuable items such an iPads or Laptops with you, do you know if they’re covered by your basic level policy? Or do you have to separately add on cover for your technology and other valuables?
Sports/Activities Cover
Many basic insurance policies will have broad cover for many entry level activities that aren’t considered too dangerous.
But if you are doing any exciting activities such a Hiking or Scuba Diving, are these things covered by your policy?
Or similar to Tech/Valuables Cover, do you have to add this as an extra on to your premium? And which level of Sports Cover do the activities you want to do fall in to?
Excess
Excess is the amount of money a claimant has to pay to the insurer in order to make a claim on their insurance.
Considering all the things above, how much excess is too much to be paying?
For example, if you have a delay claim and you need a hotel for the night which is £50 a night but your excess for delay/cancellation claims is £50, then you’re no better off with the insurance policy.
However if you have a £50 excess to claim for £1000 of lost baggage, then realistically you’re £950 better off than if you had no policy at all, and you won’t think twice about paying £50 for the insurer to replace your £1000 worth of lost items.
Conclusion
As well as acting as a safety net for your travels, Travel Insurance is actually a requirement for you to have in order to gain access in to these countries.
Please make sure you know what you need for admission to any country before you think about going anywhere. The Gov.uk website is the best place to find out all the information you could possibly need.
The main piece of advice when looking around for the best travel insurance policy that’s perfect for you, is to get as many quotes and price comparisons as you can.
It’s free to get a quote and the more information you can compile, the better you will become at spotting what is good value in terms of the exact type of insurance that you’re after.
Once you’ve got a few quotes from different comparison sites and insurance providers themselves then you can make a more informed decision as to exactly what you need and how much you’re happy to pay for it.
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