6 Things to Consider When Taking Out Travel Insurance

A recent article from ABTA – Association of British Travel Agents has revealed that 8.6 million holidaymakers don’t have Travel Insurance for their Summer holiday. However, without Travel Insurance people are putting themselves at risk of paying substantial medical or repatriation costs if they fall ill or hurt themselves abroad.

In order to prevent this risk, it is strongly advised that those going abroad this Summer take out Travel Insurance.

Here are 6 things to consider when taking out Travel Insurance:

  • Take out your insurance policy as soon as you book your holiday, this should protect you from costs if you have to cancel the holiday because due to unforeseen circumstances, such as illness.
  • Always tell your travel insurer about any pre-existing medical conditions – if you have an annual policy you must inform your insurer about any changes, even if they seem minor. Don’t be tempted to leave anything out, by not telling your insurer then your insurance may be void.
  • Activities as seemingly safe as cycling may require a higher level of cover. Before you travel, always check with your insurer if you are covered for any activities you may participate in while on holiday.
  • Travel insurance offered for free through bank accounts or cover offered through credit cards, often provides limited protection. Always check your policy to see if there are any restrictions.
  • It’s important to have travel insurance as well as a European Health Insurance Card (EHIC) before you travel in Europe, as EHIC doesn’t cover everything. EHICs expire every five years so make sure your EHIC hasn’t expired before you travel.
  • European cover is generally cheaper than worldwide cover; however remember that popular holiday destinations like Turkey, Dubai, Egypt, Morocco and Tunisia, where thousands of Brits travel each year, will not be covered by a European policy.

 

Read full article on ABTA website