Travel Insurance Tips
You spend hours and hours agonising over where to go on holiday,
yet most people either book their travel insurance at the last minute
or – horror of horrors - don't take it out at all
Leave your travel insurance to the last minute and you will probably
end up paying a lot more for your policy. And while no one likes
to think that things will go wrong, unfortunately sometimes they
do. You could miss your flight or ferry, lose your baggage or money,
or, perhaps worst of all, become ill or injured while you are abroad.
Travel insurance can help you deal with these emergencies. For
many people it enables them to continue their holidays. For those
that have to curtail their holidays because of illness or injury,
they have the peace of mind that they will receive the treatment
they need and if necessary be brought home.
It has emerged recently that the terms and conditions of many credit
cards contain clauses that mean many people are not insured when
travelling abroad, even though they believe they are. It's vital
to be insured and it's vital that you are covered for every eventuality.
Here's 10 things to consider when choosing travel insurance:
1. Does the policy provide sufficient cover for any medical eventuality
and repatriation? The Foreign and Commonwealth Office recommends
that the level of cover should be £1 million for Europe and
£2 million for the rest of the world.
2. Does the policy provide a 24-hour emergency service/assistance
company?
3. Does the policy cover a full refund of your costs if the trip
is cancelled or cut short for any reason?
4. Does the cancellation cover start immediately?
5. Does the policy cover all the activities and sports that you
might do? Many policies do not cover various activities, particularly
"extreme sports" such as bungee jumping and sky diving.
6. Does the policy cover personal liability, in the event that
you accidentally cause injury or damage to others and their property
and they sue you?
7. Does the policy offer reimbursement of legal expenses incurred
if a damage claim needs to be made?
8. Does the limit for stolen, lost or damaged possessions sufficiently
cover what the items are worth?
9. How many children are covered under a family policy?
10. If you are travelling regularly during the year, would it be
cheaper to take out an annual policy rather than single-trip cover
each time?
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