Going on Holiday? Its easy to forget to arrange the travel insurance in the excitement of planning your break.
Top Tips for Travel Insurance:
- 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.
- 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.
- Missed flights and missed connections (make sure that this includes the Channel Islands)
- Check the cancellation provisions – how much are you covered for in the event of the holiday being cancelled by unexpected events e.g. illness.
- A good travel insurance policy should provide cover for Illness, injury or death while you are away; Repatriation (getting you back home
- 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.
- You must declare pre-existing medical conditions – as otherwise your cover will be voided
- Check what counts as Europe or Worldwide
- If you need cover for risky activities say so…
- 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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