Nov 29, 2013

Posted by in Adventure, Travel Tips | 59 Comments

Travel Insurance Tips

Travel Insurance Tips

The majority of people do not take joy in finding that perfect travel insurance policy.  However, travel insurance for that family holiday is very important and therefore is something that you should not take too lightly.  If you have trouble understanding what you need and don’t need in your policy, have no fear as this article will outline the most important things you should look for in a travel insurance policy.

Medical Cover

It may be a bit of a no-brainer to most of you, but the most important part of any policy, especially a travel insurance one, is the medical cover.  No-one wants to travel to a beautiful, exotic destination far from home and end up in hospital, only to find that your travel insurance won’t cover the costs associated with your hospital stay.  Therefore it is important to check the level of cover you have.  Which?, the consumer watchdog, has stated that the best valued policies and ones that most travellers should opt for offer £2 million in medical cover for European travel and £5 million for worldwide travel.  If you are travelling in Europe then you should also consider applying for an EHIC card.

Curtailment And Cancellation

After medical cover, curtailment and cancellation is definitely the next important part of a travel insurance policy.  As any curtailment or cancellation of your travelling plans is likely to cost you a lot, it is important to ensure that you are covered for all the eventualities.  Even though most insurers will cover you if you are unable to travel because of bereavement or illness, you should always read the fine print carefully before making any decision to purchase as there may be certain restrictions.  It is also important to purchase your policy as soon as you book your holiday, to ensure that it is not invalidated.

Personal Liability

The reason you need personal liability insurance as this will cover you if you have costs or bills because of accidental damage to property or a person while you are on holiday.  It will also give you the legal protection you need.  Although you may never have to claim on personal liability, it is still a good addition to have on your policy.

Other Things To Consider

The above is just a few things that your travel insurance policy should cover, but, you should also make sure it is tailored to your trip.  So, when you are comparing and researching the different policies available, there other things you should consider to make sure you get the very best policy for your needs.  Think carefully about the activities you will be participating in while you are away.  If you are going on a skiing holiday or other winter sports related trip, make sure that the policy you purchase is tailored for this or that you have a suitable add-on or upgrade.  Then think about the things that might invalidate the policy.  This could include injuries caused when you are under the influence of drugs or alcohol and not declaring from the outset a pre-existing medical condition.  One option of travel insurance that you should consider is Axa.ie

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