With the cost of flights, accommodation, outfits, and other holiday-related expenses, the price of trips abroad can quickly mount up.
It’s no surprise then that travel insurance may not be at the top of your list, but going away without it could be a costly mistake if something goes wrong.
Take a look at these top 10 tips to make sure that you get the best travel insurance policy for you
1. Don’t just look at the cost
While you might want the cheapest cover, it’s important to remember that the cheapest level of insurance may not provide the best cover.
2. Think about changing the excess
Excess is the amount of money that you have to pay in the event of making a claim. For example, if you have an excess of £200 and make a claim for £300, you’ll have to pay £200 up front in order to process the claim. Not all insurance providers will let you change the excess but generally the more you’re prepared to pay, the lower your insurance will be.
3. Annual cover vs single cover
Single trip insurance covers one holiday and annual multi-trip covers for every trip during a year. A single trip policy can be useful if you know you’re only going to make one trip but annual cover can often work out cheaper than buying separate policies if you’re travelling a few times.
4. Group or partner insurance
If you’re travelling with a partner or children, family or couple’s travel insurance can work out cheaper.
5. Check what countries are covered
It’s important to check that your upcoming holiday destination is covered by your travel insurance. Not all places are covered by all insurers.
6. Do you need specialist cover?
High-risk sports activities aren’t usually included in standard insurance policies so you may need to take out specialist cover. Plus, if you’ve got a pre-existing medical condition you may also need additional specialist cover.
7. Be honest
It’s important to be honest about any medical conditions, planned sporting activities and anything else that may affect your insurance. Lying or hiding information could mean your insurance cover is invalid when you come to make a claim.
8. Driving abroad
If you’re planning on driving abroad, you’ll need to be covered by your car insurance. Some insurers offer this as a standard policy, but others don’t, so you should check with your provider.
9. Baggage cover
Before automatically including baggage cover in your travel insurance, check whether baggage is already covered in your home contents insurance.
10. Act quickly
Buying your travel insurance should be one of the first things you do – that way, if your trip is delayed or cancelled, you could make a claim for it.
Also known as holiday insurance, travel insurance can provide you with the support and funds that you need when holidays go wrong.
You should never travel without it!