While travelling most of us enjoy a pleasant, trouble free trip. Sadly though, it does happen that things just do not go as planned. That is basically why it is strongly recommended to travel with travel insurance.
Costs can amount incredibly when we are facing an unplanned event, would it be medical needs or the loss of important belongings.
These are just a few of the reasons why we cannot afford to travel abroad without being covered.
Good to be covered for :
– Cancellation cover
– Medical expenses and repatriation
– Lost and stolen possessions including hand luggage, money, passports and other belongings.
Good to know :
– It would seem that we tend to spend more than double the cost of an average single trip travel insurance policy on magazines and sweets at the airport
– The amount travel insurers paid out to policyholders totals £407m in 2009
Travel insurance policyies are not all the same :
The Association of British Insurers has published a guide where we can find explanations for some of the common things that are often covered and perhaps more importantly some things which may not be covered.
No insurance policy can cover absolutely everything that might happen during a trip, but policies try to provide cover for the most common problems. Deciding what is important and checking if the policy considered provides the right level of cover for the holiday circumstances is a responsible act before leaving.
This will help to avoid any nasty surprises if you are unfortunate enough to have a claim.
The Association of British Insurers top tips :
– The cheapest price may also mean the least amount of cover
That is why it is important to check a policy meets your needs before you buy it and consider whether additional cover might be necessary.
– You must tell your insurer about your health history
If you declare your existing medical conditions your insurer will be able to confirm whether or not any claims relating to them can be covered. Cover may be free of charge or require payment of an additional premium. But if you do not tell your insurer about an existing condition they may not pay for medical treatment or the costs to get you home, and this will also invalidate your whole policy.
– Act responsibly at all times
Going on holiday is the perfect time to relax and have fun, but you should never take unnecessary risks. Insurers do not cover drink or drug-related incidents and leaving possessions, particularly valuable items, unattended will invalidate a claim.
