Travel Insurance is very important, even more these day. It is important to look at all cover details and the options available. The cheaper policy might not be the best policy and might not cover cancellation and baggage for example.
· How many days are you going away for?
Most Travel Insurance policies have a limit on how long they will cover a continuous absence abroad, so check that the policy will provide cover for the entirety of your trip.
· What sports or activities are you planning to do?
‘Hazardous’ activities, such as horse riding, may not be covered by standard policies, so make sure you either opt for extra cover if there is a choice, or find another policy that is willing to provide Travel Insurance.
· Do you have any pre-existing medical conditions?
Hiding the state of your health (or your age) from an insurer could invalidate your policy, which means your claim may fall flat if you end up needing to make one. Be honest and upfront with the provider, and this way you won’t end up out of pocket if the worst happens.
Single Trips vs Annual Multi Trips
If this is your one big adventure for the year, then single trip cover will meet your needs. However, if you are planning on holidaying more than once a year, it may be more cost-effective to buy Annual Multi Trip Travel Insurance or a year-long policy.
Buying cover at the same time as you pay for your holiday means that if your trip is cancelled at any time before you leave, then your insurance may refund you the cost if you have selected Cancellation cover on your policy.
It’s also a good idea to call your chosen provider regarding any questions you have about what is and isn’t covered – after all, there is no point buying Travel Insurance that doesn’t fit all of your needs.
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