travel insurance can be had through several different indicates nowadays. Some banks offer their clients travel insurance with their current accounts, while it is also possible to take out travel insurance at a minimized cost with a home insurance policy.
However, the travel insurance used through these separate products is typically lower in cover to separate policies, which is undoubtedly a very crucial consideration.
As a result, we recommend that you compare the market to find a policy and a level of cover that’s ideal for you.
Not sure what to look for? To help you out, below you will discover everything you need to know about travel insurance to make sure that your jollies are, well, jolly!
So without additionally ado, we’ll start things off with some vital need-to-knows:
WHAT’S covered IN THIS GUIDE?
Essential things you need to know about travel insurance
The different kinds of travel insurance
Where are you going?
Optional extras
How much must you pay?
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Essential things you need to know about travel insurance
ATOL Protection. insurance policies with ATOL protection secure you in the event that your hotel, airline or excursion operator goes bust. You will receive a full refund through your policy under the circumstances;
Extreme circumstances. Some insurance policies include cover for airline cancellations because of extreme scenarios such as atmospheric conditions like ash clouds and ‘acts of god’ – a term airlines use to describe freak weather events;
Disease diagnosis. If you have been diagnosed with a disease, such as cancer, then a regular insurance policy may not cover you. You may need specialist insurance, but thankfully this rarely costs much a lot more than regular insurance;
Pre-existing medical conditions. Insurers have been understood to duck responsibility and not pay out on a policy because of a failure to inform them of a pre-existing medical condition. These can be anything from broken bones to allergies, so always make sure your insurance company understands about your medical history;
Travelling to hazardous areas. If you travel to an area of the world deemed dangerous by the foreign and commonwealth Office, your insurance policy may not cover you.
The different kinds of travel insurance
These are three main kinds of insurance policy. These are:
Single trip cover. single trip cover is available as a standalone product to cover you for a single idea or holiday. Such cover can cover you for a short trip or for as much as a year anywhere in the world with some insurance companies;
Annual cover. annual cover is available as a standalone product. With annual cover, you are covered for any trips or holidays you take year-round. Such policies normally work out more affordable than if you were to take out several single trip policies;
Backpacker cover. This is a specialist insurance product for people who are going to travel to several places. Such policies normally cover you for as much as 18 months and they may also cover you for wintertime sports. They can also include excess cover, so must you need to make a claim, you won’t have to pay any of the claim value.
All of these policies with the exception of backpacker cover are available for individuals or for households and couples. couple travel insurance is available if you live at the same address as your partner while family travel insurance is normally available for as much as two adults and as much as four children. However, a ‘family’ policy can become invalid if there are family members travelling separately or if there’s someone not named on the policy.
Where are you going?
Travel insurance policies are typically set by area. Why? simply because doing so makes it much easier for clients to get the ideal cover. Policies are usually set by the following areas:
Europe. This is not normally defined by EU member states. Instead, it is defined by the countries that are actually in Europe. Switzerland for example is not an EU member specify but European travel insurance will cover your trips there;
Worldwide excluding the United States. This includes all areas of the world except the US. Such policies are relevant if you have no plans to check out the us and you can typically save money by selecting a policy of this type over a around the world policy;
Worldwide. This insurance includes all areas of the world and it normally covers you for all trips over national boundaries, such as Gibraltar over Morocco and the USA into Mexico. However, it is always finest to tell your insurance company where you are going, just to make sure that your level of cover extends to the countries that you will visit.
Optional extras
The list of optional extras used by travel insurers is extensive. They can include:
Business travel cover;
Golf cover;
Cruise cover;
Winter sports cover;
Adventure sports cover;
Additional baggage cover;
Excess cover;
And much more.
We recommend you take out a policy which will cover you for any eventuality. A good policy must in truth be sufficient for you however if you plan to take part in any action sports or activities, you will likely need a specialist policy or several optional extras.
Winter sports cover is something you must take out if it is relevant to your trip. This cover will secure you when skiing, sledging, taking part in sledge rides, glacier walking and much more. cruise cover is a good idea if you are going on a cruise holiday – such cover normally covers prepaid excursions and activities and additional baggage.
How much must you pay?
A good travel insurance policy will cost between £13 and £30 per person for a year. This is a very competitive industry driven by low costs and amazing deals. However, you must always get the best cover for you which may not to be the least expensive policy on offer.
The finest recommendations we can offer here is to select a policy that covers every possible eventuality. Not all policies are the same so read the fine print very carefully and clear up anything you do not understand. Lastly, if you do decide to partake in an activity and you are not sure if you have the relevant cover, phone call your insurance company before you get too adventurous.
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