Have you ever wondered what your blissful travel experience would be?
After all, ‘blissful’ sure is a powerful word; a word that means different things to different people. But whether you’re sipping sangria in Seville or cruising Route 66 in a Cadillac, you can pretty much guarantee your travels will not be blissful if you forget one simple (but super-important) thing…
Good travel insurance gives you financial protection against the unexpected. It keeps your savings secure from holiday cancellation, missed departures, travel delays, strikes, bad weather, the theft of your belongings, lost luggage and so much more. So you can have the peaceful, worry-free holiday you’re looking for. Great!
But with so much choice out there, how do you find the right policy? Let’s take a look.
Good Medical Cover is Key
Slipping and breaking your arm on holiday could cause you more than physical pain. Not all countries have a free medical service like the NHS in the UK. It’s not uncommon for foreign medical bills to stretch in to thousands of pounds. That means your bank account could take a hefty hit if you have to pay for unexpected treatment while you’re on holiday. With good medical cover, your savings are safe.
Already Travelling With a Medical Condition?
Here’s a snippet of info that lots of travellers aren’t aware of: if you don’t tell your travel insurer about a pre-existing medical condition, you risk invalidating your whole policy. The trouble is, many insurers inflate their premiums drastically when they’re asked to cover medical conditions. Some even refuse cover.
Don’t worry. Shop around and you’ll be able to get your policy, without blowing your holiday budget. There are plenty of reputable companies out there who specialise in medical travel insurance and will give you the cover you need at a price that’s fair. No need to pay over the odds, no need to travel under-insured.
What If You Have to Cancel Your Holiday?
Cancelling holidays is no fun. But if you get called up for jury service, a close relative becomes unwell or something major kicks off at work you might not have much choice. Cancellation cover is there to help you claim back unrecoverable costs, such as flights and accommodation. Make sure your insurer’s maximum payout covers the cost of your holiday. And watch out for pricey excesses.
Know Your Limits
So you’re glancing over your policy documents and everything looks ship shape. No need to read all that small print, is there? Oh yes there is! Spending ten minutes getting to grips with the exclusions section of your policy could save you a lot of hassle. Knowing what you’re not covered for on holiday is as important as knowing what you are covered for. For example, you might find that you’re only covered to ride a bicycle if you’re wearing a helmet. Don’t leave it to chance.
You’re Entitled to Your Money Back
Not happy with your cover? Your travel insurer is legally obliged to give you a fourteen day period from the date you purchase your policy where you can cancel your cover and get a full refund. No questions asked. So if you change your mind after sifting through your policy documents, you won’t be left out of pocket.
This post was written by World First Travel Insurance. If you’d like to stay up to date with more travel tips and holiday advice, connect with their social media boss Tristan Rothwell.