There’s nothing like getting away from it all! Whether you are jetting off to the sun-kissed shores of a tropical beach, planning an Arctic adventure, or hiring a cottage on the Cornwall coast, one thing is certain: you need travel insurance.
Travel insurance is not all about covering the worst possible scenarios, like breaking a leg and landing a huge medical bill. It’s hugely comforting knowing that if you are delayed and your travel plans go badly wrong, you are covered and don’t end up paying for extra flights or, worse, another holiday. You don’t want any stress when you are trying to relax, and sometimes it’s relatively insignificant events that could occur that will not ruin your holiday but alter that special holiday feeling. While a basic policy covers you very well, it’s all about finding the right policy for you and your loved ones.
What’s covered in a basic travel insurance policy?
- Medical cover: For many people, this is the first fearful scenario when taking out travel insurance, as medical bills in America and Europe can run into the hundreds of thousands.
- Cancellation: If you have a good reason to cancel your holiday due to unexpected events, you could claim back the costs of travel and accommodation. It’s important to check the terms of your policy.
- Delays and departures: If you get delayed due to a storm, for example, or if you are involved in a car accident and you miss your departure, then you could make a claim for any extra travel or accommodation costs. The terms of your policy may vary for each insurer, but typically, the delay must have occurred due to circumstances beyond your control.
- Baggage and belongings: If your personal items or baggage are lost, stolen, or damaged, then you are covered, but there will be a limit to the value of these items, so check if you have any high-value items that you may need to inform your insurer of.
- Personal liability: This will cover you against any accidental damage to property or accidental injury to someone while you are on holiday. Without this, you could face legal bills costing thousands.
- Finding the right policy for you: While standard travel insurance policies offer good levels of cover, if you are going on a skiing holiday, scuba diving, or other dangerous sports, then you may need to get some extra protection with some add-ons. Other examples of add-ons cover medical outbreaks, tour operators going bust, and terrorist attacks. If you have certain pre-existing medical conditions, you may need specialist coverage. The same goes if you are backpacking or going on a winter sports travel adventure. And then there are more well-known policies, such as single-trip and multi-trip, that can cover you for all your trips on an annual basis.
It’s always worth talking to your insurance provider to tailor a policy to your every need and find out about some great products that could save you some money, for example, group or family cover.
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