Travel Insurance Cover
Getting adequate travel insurance for your holiday is arguably the most important part of your trip away. It is really important to get your travel insurance policy early and choose your one based on the level of coverage to suit your needs, as well as the cheapest price.
Our Travel Insurance comparison site is a helpful, friendly and comprehensive guide which contains a world of information, which is easy to navigate and understand. It compares over 1500 policies and shows you not only the cheapest but the policies with the best cover!
The variety of policies in the holiday insurance world can be very confusing. How do you know if you are getting the right policy for you, and whether it's the best deal?
The first choice you need to make is whether your travel habits make it worth your while to get an annual multi-trip policy rather than a single trip policy. Annual multi-trip cover can often save you a lot of money, but only if you tend to travel more than 3 times per year. Single trip cover is ideal for you if you are planning on taking less than 3 trips per year and only want to cover a specific amount of days.
The next thing to think about is whether you need a specialist policy type. Travel insurance providers offer many different 'add-ons' or 'specialist policies'. People often associate a specialist policy with a higher premium, however this isn't always the case and is often the opposite. Providers who specialise in certain policies can often cut premiums because they can concentrate on specialising in one area.
You can save money if you are traveling as a family by purchasing a family, group or couple policy. Be sure to check out the definition of children, family members and amount of people included on your policy before buying as these vary from insurer to insurer.
If you want to stay a bit longer than the maximum limit on a single or annual trip, you will need Backpacker or Long Stay Cover
For those with Pre-existing medical condition you will need to declare it to your travel insurer before you book a policy. Many providers won't charge extra for a number of medical conditions, but for some conditions you will need to pay a slightly higher premium, which is more than worth it for your peace of mind.
If you are travelling on a business trip you will need specialist insurance, which can cover things such as business equipment cover, and the costs incurred to replace you with a colleague if you fall ill, enabling your business meetings to run smoothly should you be unable to attend them.
What to look out for
There are many things that you would expect to be covered under your travel insurance policy, unfortunately, travel insurance providers cannot cover for every eventuality. There are certain things which are more important than others.
As a general rule you should ensure that your policy covers for up to £2 million worth of medical expenses, and offers 24 hour emergency assistance.
The consequences of cancellation and curtailment of your your trip can often incur high expenses, and should be covered, from the minute you purchase your insurance and not just from the start of your trip.
Personal baggage cover is important for a lot of people but can also sometimes be covered under your home insurance, or credit card insurance. This is worth checking before you buy travel insurance, as good savings can often be made by excluding this cover option.
Other things to look out for include cover for the financial failure of airlines, tour operators and booked excursions. With the current instability in the economic climate this is something that many insurers are trying to offer, and there are a select few who already do.