How to avoid a travel insurance headache

Insurance is as necessary as your toothbrush when it comes to travelling overseas. It’s there to safeguard us against the unforeseen should we need it whilst hundreds of miles away from home. Sounds great, yet thousands of holiday makers fail to read the all-important small print on their insurance policies before jetting off to the sun, sea and sand?

We check our passports are in date and that we have our favourite pair of shoes packed; yet we fail to read what could end up being the most important piece of paper we’ll ever have.

We buy our holiday, we agree to travel insurance, and then just forget about it all. Insurance policies aren’t rocket science, and really can do exactly as they set out to do; we just simply need to make sure all angles are covered before splashing the cash.

To help you in buying a travel insurance policy that’s tailored to your needs, there are several points you need to consider first.

How much am I medically covered for?

Travel Insurance can vary a lot when it comes to medical treatment. As a standard rule of thumb, you should always ensure the policy covers you for a minimum of £2million worth of medical treatment whilst abroad.

Do I need personal liability cover?

Personal liability is a must have in an insurance policy. Look for no less than £1million personal liability cover to safeguard you should you be liable for any accidental injury or damage caused to another person and/or property. A good pointer whilst overseas is that, even though you may have personal liability cover, never ever admit liability; even if you are in the wrong. Instead names and address must be exchanged and forward to your insurer immediately. Personal liability cover really could save you from one great big headache.

Emergency Help-lines

It is highly recommended that your insurance policy contains a 24 hour emergency helpline; for in such cases that you should need to contact someone urgently.

Cancellation Cover

We can’t predict the future, and sometimes the holiday we have been so much looking forward too needs to be cancelled. If this was the case, would your travel insurance policy cover any lost costs? Cancellation cover on policies can vary from a small amount to a substantial premium; so always ensure there is sufficient cover to account for all costs for the whole family. Cover ranging from £3000 to £5000 should always be taken as standard.

Personal Belongings & Baggage

During the hustle and bustle of checking the whole family in at the airport, you can easily lose sight of a bag or personal item. Most travel insurance companies set a limit on how much you can cover for lost baggage; and generally can be in the range of £1500 to £2500. Choosing the right level of baggage cover is especially important if your luggage contains items of particular value. Maybe you have an invaluable necklace in your luggage? Does your policy have enough to cover the cost of this as well as clothing and personal belongings? A quick check can make a great deal of difference when it comes to recovering your costs.

Lost & Stolen Money?

Whilst we consider lost luggage and medical expenses, sometimes we forget about such circumstances should we lose our holiday money. Being stuck abroad penniless is not fun for anyone, so checking your insurance policy covers you for this could mean the difference between a great holiday and a holiday nightmare. At a minimum, your policy should cover no less than £500 for stolen or lost money.

Don’t be a victim to misadventure and mishaps whilst on holiday. Always, always check the small print before boarding the plane!

Types of Travel Insurance

When booking a holiday or long weekend away, there are many things to think about and more often than not, ensuring you have the correct type of travel insurance is usually far from the front of your mind and can sometimes be a late afterthought.

Just like choosing any type of insurance cover, whether it is home, car etc. travel insurance can sometimes be a time consuming task as you need to make sure you are covered for any activity or eventuality that might occur during your time away.

Nowadays, this drawn out affair has been made easier with many insurance providers setting out a clear breakdown of the various types of holiday insurance packages available which can then be tailored to specific needs and preferences.

Below we list a clear guide to some of the travel insurance cover available and what each one means:

Single Trip:

Usually the policy of choice for holidaymakers embarking on their annual trip away, as the name suggests, this offers you travel insurance for one trip only. When this type of insurance is taken out, it is normal practice to specify your departure and return dates in order to be covered efficiently for the duration of that period.

Annual Travel Insurance:

The policy of choice for travel enthusiasts who travel regularly throughout the year and are therefore highly likely to benefit from annual travel insurance. This policy generally covers an unlimited number of trips over the course of a year, providing each trip lasts for 90 days or less. Annual travel insurance can often be tailored with extras for each trip, such as cover for sports and expeditions that you might undertake.

Backpacker Insurance:

Highly popular amongst those aged 18–25 who are embarking on a gap year abroad, backpack insurance differs slightly from annual travel insurance as this covers trips away for prolonged periods of time, usually between 31 days and 18 months.  As backpackers are more likely to indulge in a range of activities during their time away, backpacker insurance usually covers a number of the most popular ventures including bungee jumping and mountain biking. Extras such as winter sports cover can also be added to create a more tailored travel insurance policy.

Winter sports cover:

Obviously not one for the beach combers but made for those who enjoy escaping to the mountains for during the winter months. As many winter sports come with a risk factor, this means that they often require extra insurance to cover any unfortunate accidents. This is why the specialist winter sports cover was developed.

Pocket New Savings by Being Aware of Travel Insurance Comparison Sites

Are you looking at going on holiday sometime soon? You would do well to make sure that you get quality travel insurance. It’s not just about protecting yourself from out of this world health expenses — it’s also about other emergencies that might occur on the trip. For example, you might get to a point where you find that part of your holiday trip has been cancelled. Without travel insurance, you might just be out for all of that money — what a shame!

Now, that doesn’t mean that you need to dive headfirst into the first policy that you see. You also want to make sure that you are focusing heavily on getting the BEST policy that meets your needs and isn’t completely filled with exclusions. If you would be targeted by an exclusion right from the beginning, then the best price in the world doesn’t matter, right?

This is why in-depth travel insurance comparison is a good idea. There are great sites now that let you look up multiple quotes for travel insurance. yes, even though travel insurance tends to be fairly inexpensive when you think about all of the benefits it provides, that doesn’t mean that you just get to do whatever you want — you need to make sure that you are thinking about all of your options.

From here, you definitely want to compare quotes for travel insurance. Going to a site that lets you look up multiple quotes at once is a good thing. If you really want to pocket new savings by being aware of your options, this is the place to start. Not only will you be able to save based on price, you will be able to get a policy that truly fits. If you were just to get the first policy you see, it may not cover everything you need.

There are plenty of discounts available. If you belong to a motor club, you may be able to get an even higher discount. From there, you also want to look at how you’re paying for travel insurance. An annual quote tends to save money over a monthly or quarterly quote. You may have to pay more cash up front, but it can definitely save you a great amount of money if you tend to do a lot of traveling.

A travel insurance policy that covers a lot of ground would definitely be a good idea. Don’t forget to look at your options today!

Yet Another Reason to Invest in Travel Insurance Before Your Trip

Late night psychics aside, no one really knows the future, and even the first group can’t say that they get it right. This means that the world is uncertain and you have to ensure that you have every detail planned out. There’s nothing wrong with thinking about your vacation from every angle. While the planning part isn’t very glamorous, it can really save your life. Instead of trying to worry about the uncertain elements of your trip, why not invest in travel insurance?

A lot of people have come out with negative statements about travel insurance, but the reality of the matter is that travel insurance can truly save your life. For example, if you end up having your flight back to your home country cancelled, travel insurance can get you home safely. This is especially good for people traveling to countries that may not have as strong of an infrastructure as the home country. Instead of being stranded, you can be placed back on a safe flight home, while saving money in the process.

There’s another reason to think about travel insurance — it’s really cheap! A lot of people think that they will save oh so much money by skipping over travel insurance, but they fail to realize that the costs of handling a travel emergency can be far higher than the travel insurance premium. For example, if you had to get standby tickets at an airport for an international flight, it could be thousands of dollars. In addition, when you only have limited entry into another country, you don’t have a lot of time to get out when your stay is over. The higher the demand for a ticket, the more expensive it will be.

The cheaper way to go is through travel insurance, and you can even get travel insurance online now. In the past, you had to try to find a travel agency that carried insurance policies and endure a long sales pitch. There’s no reason to go through this ordeal anymore — you can pick up a travel insurance policy right from the comfort of your own home. All you need is some basic information, as well as an idea of how comprehensive you want your travel insurance to be.

Some people like to handle medical as well as weather emergencies in one policy, which isn’t a bad idea. Other people like to only pick up the type of travel insurance that would supplement what comes automatically with a major credit card. The more coverage you have the more peace of mind you have — it’s just part of life, really.

If you decide to travel with children, travel insurance isn’t just a good thing to have — it’s really the right thing to have. You don’t want to be stranded away from home worrying about how you’ll get back, or how your children will be taken care of.

Now, just because you get the travel insurance policy doesn’t mean that your work is over. Make sure that you make plenty of copies of your policy, as well as any and all receipts that you get. You will need as much documentation as possible to make your travel insurance claim. This is what most people overlook when they’re really trying to make a go of travel insurance, which is where a lot of the negativity towards travel insurance comes from. If you manage to stay on top of the game, you’ll really go a lot farther.

Overall, getting travel insurance is a great thing to do, but you’ll need to get started today to lock in a good rate!

Holiday Insurance

It is often a gamble as to whether to take out holiday insurance. Some home insurance policies have free holiday insurance thrown in and therefore normally additional cover is not needed. Some holiday companies insist on insurance being taken out and then again the decision is made for you. But most of the time, it is up to the individual to decide whether or not to take out insurance.

As with all insurance there are advantages and disadvantages. The cost is obviously one disadvantage. If you are older or have a history of illness then the cost can be quite large. The holiday is likely to cost quite a bit anyway and the insurance can be an expense that just seems unaffordable. There is also all of the hassle of taking it out, searching for a good price and things like that – there is always a lot to do when you are preparing to go on holiday anyway. However, it can be very useful to have such an insurance in place for a variety of reasons.

If you luggage gets damaged or disappears, then the insurance should cover you for replacing it. If your holiday gets cancelled for some reason or maybe your flights are delayed and you need to stay in a hotel, then the insurance may cover that cost as well. If you are unwell when abroad then the insurance should pay for the health care. If you are travelling to Europe then you can fill out a form for free and get health cover for nothing but in non-EU countries you will need to pay for medical treatment if you do not have the relevant insurance cover.

There are different levels of travel insurance and so it is important to think about what you want cover for and to check that the policy you take out will give you cover for those things. There is often exceptions where they will not pay out and so it is worth looking at those as well.