If your trip doesn’t go according to plan, travel insurance can provide additional protection. If you are planning to travel, you need to make sure that you have coverage.
Travel insurance is especially important if you’re traveling alone. You might find yourself without a way to return home or someone to assist you with your holiday problems.
Why travel insurance?
- You can get travel insurance to protect yourself against these things:
- Cancelling or cutting short your trip due to circumstances beyond your control
- For reasons beyond your control, missed transportation or delayed departure
- Medical and other emergency
Personal injury or death
- Items that are lost, stolen, or damaged include baggage, passports, and money
- You can cause injury or damage accidental to others.
Travel insurance is not available. You will need to pay for travel insurance to cover any problems that may arise while you are away. You could lose your money if you cancel a trip or can’t get your money returned. This could result in you losing thousands of pounds.
Where can you purchase travel insurance?
You can find travel insurance all over the country. It is possible to purchase it at:
- Insurance companies
- Supermarkets and retailers
- travel agents
- Online comparison websites
- holiday companies.
Travel insurance may be offered as an additional service through your bank account, credit card or bank. It is important to check the cost and type of coverage you are getting. You may not have enough coverage for your spouse or partner. You might consider purchasing a separate policy.
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Travel insurance may be offered by your travel agent as part of a package holiday. This insurance can be purchased if you wish, but not required. If they force you to take it out, or charge more for your holiday because of it, the travel agent is violating the law. You should seek advice if this happens.
Before you purchase holiday insurance
- It is important to choose the right type and level of coverage for you. Consider:
- Wherever you are travelling. Extra medical coverage is required if you are travelling to the United States.
How old you are. If you are over 65, travel insurance can be more expensive. You might be interested in special policies for elderly travellers.
How often you travel. It may be more cost-effective to purchase an annual policy than multiple single-trip policies if you travel frequently.
What you will be doing while you are away. If you are involved in dangerous sports like skiing or scuba diving, you may need additional coverage.
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No matter if you are travelling solo or with a group, it doesn’t matter if you choose to travel as a package holiday. You may not have to file a claim on your travel policy if you are travelling with a group. Package holidays offer greater protection in the event of an accident with transport or accommodation.
- How you travel. Some insurance policies may not cover cruises or budget airline flights?
- What coverage should travel insurance provide?
- These are the essential elements of travel insurance:
- Medical expenses and coverage to get you home if your are injured abroad
- Personal injury and coverage for damage or accidents caused by you
- Coverage for damaged or lost items
- Coverage for delayed or lost baggage
- Coverage for cancellations or missed departures
The amount of coverage you need will determine how much insurance you have to pay. To save money, you should never under-insure. You may be able reduce your costs.
The European Health Insurance Card (EHIC)?
You can use your European Health Insurance Card (EHIC) to access healthcare in the EU countries even if you are a UK resident.
You can apply online for a UK Global Health Insurance Card (GHIC), even if you don’t already have one or your expiring EHIC. A GHIC can be used to obtain healthcare in the EU at a reduced price or even free. Even if you don’t have an EHIC, GHIC or GHIC, it is still a good idea to get travel insurance before you go.
Insurance on contents of your home
You should check to see if your household contents policy covers items that you take with you. You could consider a higher excess for your travel insurance policy if it does. Your insurer will not pay the claim if the excess exceeds PS50 to PS100. Your travel insurance might cost less if you select a higher excess. Learn more about household contents insurance.
How to choose the right insurance company?
It’s possible that the cheapest policy is not the best value for money. Therefore, it’s important that you verify what each policy covers and how much it costs.
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An online comparison website allows you to compare the costs of different policies and what they offer. Comparison websites often only provide general coverage. It may be more beneficial to look for an insurer that provides specialist coverage if you have specific needs.
- Claim on your travel insurance policy
- There are problems with making a claim under your travel insurance policy