Travelling abroad needn’t fill you with worry, but it’s important to be covered just in case the worst does come along. Flight cancellation and loss of baggage or passport are some of the more trivial things that could happen while your away, but you could also find yourself in a very sticky financial situation should you or one of your group become ill or suffer an accident. Outside the EU, medical expenses won’t be covered, while even inside the EU you may need to pay for transport home or private treatment. Taking out the correct travel insurance policy can cover you against all of these misdemeanours, and give you peace of mind while you’re away. If you’re looking for the best travel insurance deal for this summer, then take a read of this article for some tips for finding the best policy. Check What You Already Have If you’re a premium customer with a bank or credit card company, then chances are that you’ll already have travel insurance included. This is particularly likely if you’re paying a monthly fee for your banking. Make sure you check this out with your bank and read the small print of the deal – it might not be valid outside of the EU or if you have special circumstances, but a phone call should clear this up. If you don’t have a policy already, then it really pays to shop around. It’s easier to do now thanks to the web – all you really need to do is key ‘travel insurance’ into a search engine, flick a few of the results and enter your requirements. Price comparison websites are particularly useful, so if you filter through a couple of these then you’ll be on the right track. Any Special Circumstances? Be careful if you or anyone in your travelling party has special circumstances – it’s possible that prices will be higher as a consequence. Special circumstances include a history of serious illness, pregnancy or being over 65 – all of which present higher risks for insurers. Specialist insurers such as SAGA may be able to help you here, but should you not be able to find a decent quote, you may be able to forego your clause about any history of illness – just remember it’ll be on your head should anything go wrong. Also if you are travelling in the EU, make sure you have an EHIC card. This will provide you with the same amount of cover as a citizen of the country you are visiting, which will mean you will get free or discounted treatment should you fall ill or be injured. Get the Right Level for You Have you had a policy suggested to you by your holiday booker? If you have then consider if it’s at the right level for you, and the right price; it’s possible to be oversold in insurance package and you could end up with too much cover. For instance, does anyone need £100,000,000 worth of medical cover? The answer is almost certainly not, so there’s no need to go for a quote with this if it’s more expensive than a policy with, say, £2,000,000. Furthermore, unless you’re carrying the crown jewels across the world it’s unlikely you’re going to need much more than £1,000 worth of baggage cover. As the rule of thumb, just try to think objectively of the extent of cover you’ll need – it’s probably never going to run into the millions so don’t pay for it!
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Travelling abroad needn’t fill you with worry, but it’s important to be covered just in case the worst does come along. Flight cancellation and loss of baggage or passport are some of the more trivial things that could happen while your away, but you could also find yourself in a very sticky financial situation should you or one of your group become ill or suffer an accident. Outside the EU, medical expenses won’t be covered, while even inside the EU you may need to pay for transport home or ...
1stoptravelinsurance.co.uk single trip insurance provides cheap travel insurance cover for holidays of up to 365 days to any destination.
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