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Jersey Consumer Council

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Travel Insurance

January 26, 2016 Travel and Transport No Comments

Travel Insurance

Going on Holiday? Its easy to forget to arrange the travel insurance in the excitement of planning your break.

Top Tips for Travel Insurance:
  1. Make sure that the medical cover is adequate – to help pay medical bills £2 million medical cover is advised by Which for just Europe and £5 million for worldwide.
  2. Cover your gadgets – you may need to extend your home insurance to cover as single items on your travel policy may only be covered for £250.
  3. Missed flights and missed connections (make sure that this includes the Channel Islands)
  4. Check the cancellation provisions – how much are you covered for in the event of the holiday being cancelled by unexpected events e.g. illness.
  5. A good travel insurance policy should provide cover for Illness, injury or death while you are away; Repatriation (getting you back home

  6. Check that the policy covers

  • Liability for accidents involving others;
  • The airline going out of business;
  • Natural disasters, natural events eg volcanic ash cloud and severe weather;
  • Political instability;
  • Security risks.
  1. You must declare pre-existing medical conditions – as otherwise your cover will be voided
  2. Check what counts as Europe or Worldwide
  3. If you need cover for risky activities say so…
  4. You may be better to buy an annual policy rather than single trip cover READ THE SMALL PRINT…always check what isn’t covered.

Remember if you are away on a gap year/backpacking standard policies will not be suitable.


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