Travel Insurance can seem like a boring and unnecessary item on your pre-travel to-do list – why spend money protecting yourself against a holiday disaster which may never happen? However, expensive holiday disasters, such as cancellation, medical emergencies or lost possessions, can strike at any time, whether you’re popping over to Europe for a long weekend or travelling the world for two years. That’s why travel insurance is such a vital purchase before you depart for any trip.
To ensure you understand the true benefits of a travel insurance policy, we have outlined the main sections below, including, cancellation, emergency medical expenses, personal possessions, activity and personal accident cover, as well as legal advice.
This section of cover begins from the second you pay your premium when buying a Single Trip policy, and from the start date that you choose when purchasing a Multi Trip policy. Cancellation cover can step in to cover pre-paid costs, for things like accommodation, transport and car hire, that you cannot recover from any other source (e.g. your tour operator) in the event that you cannot go on your trip. The section will cover cancellation for several reasons, but it is important that you read your policy wording for full details.
Injury or illness is inconvenient at the best of times, but imagine needing emergency medical attention abroad – you may not be able to communicate with doctors, and will most likely have to pay for your treatment. This is where our medical expenses section can help you, as we will consider emergency medical bills up to £10,000,000 on many policies, including the cost of getting you back to the UK if medically necessary.
Furthermore, every Holidaysafe policy comes with access to our emergency medical helpline, which is available to help you 24 hours a day, every day of the year.
Some of the most common and annoying holiday disasters involve personal possessions, such as delayed baggage, lost passports and damaged gadgets. These policy sections can cover the costs of these problems, but you must check the cover to ensure the policy limits are enough to cover the items you are taking abroad. If you want cover for gadgets, make sure this is covered as standard on your chosen policy, otherwise, you can add the cover as an extension on the options page of the quote process.
Most of us will participate in activities whilst we’re away, from jet skiing and winter sports to bungee jumping and sky diving. You must ensure you are covered for these activities, otherwise, you could face expensive bills if you’re injured whilst participating. At Holidaysafe, we cover 100 activities as standard and offer the option to extend your cover to include many more, so check our activity lists and make sure you add the relevant activity pack on the options page of the quote process.
Just in case you need to seek legal advice in relation to your trip, or you need help pursuing a legal claim in relation to your trip, most of our policies include a section dedicated to legal cover and advice. We have teamed up with Penningtons Manches LLP to ensure you get the help and advice you need – please check your policy wording for further information.
Thinking about what could go wrong on your trip isn’t the nicest pre-travel topic, but it’s important that your travel insurance includes cover for accidental death and disability, which will pay a set benefit if you die or are permanently disabled following an accident during your trip.
One final benefit of travel insurance is that it doesn’t cost the earth, you can protect your adventures and enjoy all of the benefits we have spoken about for a fraction of the total cost of your travels. Deciding to purchase travel insurance might just end up being one of your smartest financial decisions, should something not go as planned when going on holiday.
Our cover levels at Holidaysafe range from our very affordable standard policies to our extensively protective platinum policies which provide £10 million medical cover and cancellation cover up to £7.5k. You can also upgrade your policy by visiting our scheme upgrade page here.
If after reading this, you feel like you would enjoy having these benefits for your upcoming travels then we would love to provide you with the travel insurance protection you need today! You can find out more about the cover that we offer by taking a look at our cover levels or by getting a quote.
*Please note, Holidaysafe’s online prices automatically include a 15% discount against our Customer Service Centre prices.
Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN 306537. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Travel Insurance Facilities Plc registered in England No. 3220410. All rights reserved. All policies offered are on a non-advised basis.
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