Alongside getting a good bang for your buck, having the right level of cover is very important. Some of the main features to lookout for include -
Travel insurance is not a mandatory requirement, but in the event the worst happens you will be responsible for all the emergency expenses such as, medical costs and repatriation charges.
Yes, it is possible to get travel insurance cover for the whole family but you should read the terms and conditions of the policy to ensure you have the right level of cover for your loved ones.
While you are travelling, travel insurance can provide cover for any unexpected medical expenses, flight cancellations and delays, lost or stolen baggage and personal liability, the type of travel insurance cover you require will depend on your personal needs and country you are visiting. You can choose from multiple trips, single trip or a travel policy for backpacking holiday.
You should not wait until the day before or the week before travelling to take out travel insurance, you should compare travel insurance as soon as you book your trip and take out a policy then, this can then cover you against a wide range of eventualities but most importantly it can cover you if you need to cancel because of a medical reason and if the travel company goes into any difficulties.
Accident can happen while you are travelling around the world. A travel insurance policy can provide cover for the cost of a medical emergency and treatment; it also provides protection for loss or damage of personal possessions.
If you are ill or injured while you are abroad, it can be very expensive and complicated and the prices are very high for medical treatment, a number of overseas hospitals also limit the care they give you if they can not see proof that you pay for the treatment.
Yes, you still need to have travel insurance to be fully covered. An EHIC (European Health Insurance Card) allows you to take advantage of state health care for free within EU economic area (also known as EEA). However, it doesn't provide the same benefits as travel insurance cover. EHIC won't provide cover for non-urgent medical treatment, medical repatriation, and it will not provide cover for lost or stolen possessions. EHIC usually covers emergency medical requirements. Also, when the UK leaves the EU it is widely expected that this benefit will no longer be available.
Provides cover for only one destination for up to 21 consecutive days. You can choose single trip cover from worldwide or European cover, depending on your travel schedule and needs. You can add additional cover if required with single trip cover, such as skiing activity cover.
If you are a regular traveller then an annual cover could work out cheaper option for you. It provides protection for multiple trips over a year. If you are only going to travel couple of times in the year then it can be costly option.
You are required to add winter sports cover if you are planning to do any winter activities or skiing. You will need to pay bit more to get this cover added to your travel policy which can depend on what you are planning to do.
Any pre-existing conditions need to be notified to insurer otherwise they won't cover you. If you get ill or you're existing conditions gets worse while you are away and haven not notified insurer, they will not help with repatriation or any related medical costs.
There are two different types when it comes to choosing worldwide cover. Including and excluding Canada, America and the Caribbean. Medical treatment and care is expensive in these countries which is why it can put up your travel costs.
One travel cover for the whole family under the same policy. Getting travel insurance for the whole family can be cheaper than multiple single travel insurance policies cover unless someone has pre-existing medical conditions.
As the name suggests, it provides cover while you are on cruses. It will provide you protection for missed boats and cabin confinements. If you are planning to go on a cruise holiday then you should think of taking out cruise travel cover.
Only few insurers provide quotes for seniors making it's slightly harder but not impossible to get travel insurance, equally there are specialist companies that only offer senior travel insurance so it is best to compare them all in one place. Most of the travel insurance providers add an upper age limit conditions on the policies so you need to compare travel insurance quotes to get the best policy in the shortest amount of time rather than apply to 5 or 6 companies separately.