Travelling is one of the greatest investments of your life. Whether you are backpacking across multiple countries and enjoying the sensory overload of so many diverse and vibrant cultures. Or, if you are simply having a week in the sun to rest up and give yourself that all-important, well-earned, break on the beach.
A good travel insurance policy is well worth paying the relatively low cost to keep anxiety or worry to a minimum, and fun, relaxation and enjoyment to the maximum. You don’t want to have any concerns niggling at the back of your mind. You want to devote your entire holiday to becoming a stress-free, collage of happy memories.
Types of cover
There are many types of cover depending on your requirements. For the most part, the clue is in the title of each! Annual/multi-trip cover, single-trip cover, winter sports and backpacker travel insurance to name a few. Your premium will depend on your age and any pre-existing medical conditions. Insurance providers also categorise cover types according to your destination, for example, European or worldwide.
Couple, family and group cover
If you are travelling as part of a group, with family or as a couple, you are most likely to get a cheaper deal if you take out the relevant group policy instead of insuring individuals separately.
You should get what you pay for!
Don’t just go for the cheapest quote you find. When you look more closely at the small print you may find some nasty surprises. It’s also worth pointing out that you may have travel insurance coverage as part of your home insurance policy. Again, check the details, it may only cover certain destinations or have other limitations.
Look out for exclusions and exemptions
These can be quite common, so it’s important to find the right policy with the right insurance provider and check out any pitfalls. Exemptions can be based on age limits, alcohol consumption, driving and reckless behaviour.
Cancellations
Remember your travel insurance will cover you against cancellations. Always check your terms. It’s comforting to know you will not have to pay twice, or lose out on a trip of a lifetime, due to unexpected events which force you to cancel.
GHIC card
A Global Health Insurance Card is no substitute for travel insurance, although it’s free and may entitle you to reduced or free medical care in the EU. It’s important to know that it will not cover you for medical treatment.
Shop around
Travel insurance providers vary in what they can offer you and what they cover. It’s wise to spend a bit of time shopping around to get what you need at the right price.
Finally
Don’t forget your passport, with the right travel insurance cover, all you have to do is have a great time!
Going somewhere nice and need the right level of travel insurance for you and your family? Browse our website.