All you need to know about travel insurance

It’s that time of year again where we begin to look forward to our summer holidays, the perfect opportunity to relax and enjoy ourselves.

Many of us make sure we have our passport and tickets ready, without a second thought about travel insurance.

Although it’s not a legal requirement to have travel insurance, it can give you peace of mind that you have the right cover, just in case.

What is travel insurance?

Travel insurance provides cover for various aspects of your holiday, whether it’s cancelling your plans because of illness or needing medical assistance during your time abroad.

There are different levels of cover, with a wide range of UK providers offering this kind of insurance. Therefore we recommend you shop around to find the cheapest quote for you.

Cancelling your holiday

Holidays abroad can be expensive and so you want to avoid having to cancel it. However, if you fall ill or something prevents you from going away, you may end up having to call off your travel plans.

With travel insurance, providers can offer you cover should this happen. Some offer different limits, with some providers more generous than others. But this gives you reassurance that you won’t lose out financially.

Check the small print to make sure what scenarios this provides cover for, as some insurers may only pay out if you or a member of your family causes your plans to be cancelled.

Covering your personal belongings

In the unfortunate event that your personal belongings are lost, stolen or damaged, travel insurance can provide financial assistance to cover some of your items.

The average cover can be between £250 and £500, with some items exempt from the policy.

We recommend that you take pictures of any expensive items before you leave, so that they can be identified if the worst should happen.

Medical assistance

If you feel unwell and need medical assistance during your holiday, travel insurance can cover your treatment bill. Going to hospital abroad can be an expensive experience, so you can be covered up to the amount specified on your policy.

Research the cost of certain treatments, such as a cast for a broken bone or medication for general sickness, before making an estimated decision on how much cover you need.

Some providers will also cover the cost of you being flown back to the UK, should it be necessary.

Travel delays

It’s always frustrating when a flight is cancelled or delayed when all you want to do is get to your destination as quickly as possible.

With travel insurance, some providers offer compensation if your flight is delayed by up to 12 hours or if it’s cancelled. If you ask the airline to give you written evidence that your flight is delayed, as well as keeping receipts for your travel, you could be entitled to a payout.

For all the latest offers and finding the right quote for you, compare travel insurance from a wide range of providers.

Category: Travel Insurance

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