Why do I need Travel Insurance?
Travel Insurance is designed to relieve financial hardship and distress resulting from events such as loss of baggage, illness and cancellation of a holiday
What should I consider when purchasing a Travel Insurance policy?
According to the Foreign Office you should ensure:
- Your policy includes comprehensive medical and repatriation cover
- It provides cover for your whole trip (whether one day or a whole year)
- It covers you for all activities, including hazardous sports
- You disclose pre-existing medical conditions
- If you have doubts you should check with the insurer
Should I shop around when purchasing a travel insurance policy?
By shopping around for quotes on travel insurance policies with different providers you can compare prices and cover levels. Always ensure that the policy you finally choose includes comprehensive medical and repatriation cover, it covers the entire duration of your trip, all activities are covered (including hazardous sports) and that you declare any pre-existing medical conditions.
Should I take an Annual Trip or Single Trip policy?
Annual policies provide travel insurance cover for 12 months and can work out more cost effective if you do go on holiday several times a year.
Single Trip policies cover you for single trips, they start before you go on holiday and end when you return.
My policy offers a "pre-travel advice service", what does this mean?
This means you can get information about the destination you are travelling to, visa requirements, time differences, bank opening hours and motoring requirements.
Will my travel policy include personal accident cover?
Some travel insurance policies will offer personal accident cover; this means you would be covered in the event of death or loss of limbs or eyes. Its best that you check the level of cover before you purchase the policy.
Why do I have to declare any pre-existing medical conditions?
Your policy will contain certain restrictions about pre-existing medical problems concerning the health of people travelling and the health of people upon whose health the trip may depend on. If you have any doubts about this you should check with the insurer.
