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TRAVEL INSURANCE

Protect Your Trip Investment with a Travel Insurance Plan

Do I need travel insurance?

 

  • Could you afford to lose your non-refundable, pre-paid travel expenses in the event that your trip is cancelled due to an unforeseen event (ex., the death of a family member)?
  • Are you travelling to a destination that may be affected by severe weather?
  • If you were to get sick or injured on the trip, would you be unable to pay out of pocket for the necessary healthcare?
  • If your flight is delayed, would you seek reimbursement for the inconvenience and additional charges, such as change fees?
  • If your luggage is lost or stolen, could you afford to replace the missing baggage or personal effects?

 

There are many reasons why you should consider travel insurance. While trip cancellation coverage is not mandatory, some countries require proof that a traveller has travel medical coverage before allowing entry.

 

Choose the plan that meets your needs and spend more time enjoying your international experience, not worrying about your insurance coverage.

 

 

 

Five things to think about when buying travel insurance

 

1. Be honest about your medical history

It’s important to give your insurer all the information they ask for. When you make a claim, the insurer will check your medical history.

If you didn’t answer truthfully or accurately in your application, or you didn’t disclose something, your claim might be rejected.

2. Read the small print

Take your time reading and completing the application. Make sure you know exactly what is and isn’t covered.

Be aware that definitions and exclusions (what isn’t covered) can vary between different insurers. If you see something you don’t understand, ask the insurer or an insurance broker.

3. Think about cover, not just price

The cheapest deal isn’t necessarily the best. Make sure you get the right policy, even if it costs a few pounds more. Otherwise you might not be able to claim when you really need to.

Read the main benefits and features information offered by your provider before you buy. This will make sure you know exactly what you’re paying for.

You’ll have 14 days after you received your policy details to cancel if you find the policy isn’t suitable for you.

4. Watch out for the excess

When you’re comparing policies, it’s important to check the excess, as this can take a deal from being cheap to very expensive.

The excess is the amount you agree to pay should you need to make a claim on your insurance.

For travel insurance claims, excesses are applied on a ‘per section’ basis. For example, if you’re mugged on holiday you might have to claim under the medical expenses section, personal belongings section and money section of your policy. In this case three excesses could be deducted from your payout.

5. Check your limits

Make sure your policy offers a decent level of cover. For example, your medical cover should be at least 1 million in Europe and 2 million for areas outside Europe. And the cancellation amount needs to cover your costs if you need to cancel your trip or return home early.

Most policies will provide at least 1 million in personal liability cover in case you’re sued for damaging property or injuring someone.

 

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