Compare Cheap Travel Insurance
Holidays are for leisure and recreation; therefore it should be free from any hassle. God forbid, anything can happen and this is time where you need peace of mind, by having your travel insurance to cover the cost of the unforeseen, such as illness, injury, theft of personal possessions.
The travel insurance, also designed to cover you if you have to cancel your trip, or need to return early due to an emergency. There are different types of cover are available, and finding the right insurance is just as important as booking for your flights and hotels. Search now and compare holiday insurance quotes from more than 50 travel insurance providers.
Make sure the policy is right for your needs
Before you decide to buy the travel insurance, ask yourself the following questions; will I be carrying expensive belongings? Am I carrying large amount of foreign currency? Am I taking part in winter sports? This will help you to decide which policy is better for your holidays. Each insurance policy varies greatly and has its own inclusion and exclusions.
There are different types of cover available, such as;
Single Trip Travel Insurance
– A one-off policy that covers a 30 day period of travel.
Multi Trip Travel Insurance
– An annual policy that covers multiple individuals trips throughout the year. Cost effective for frequent travellers.
Backpacker Travel Insurance
– A policy that extends beyond 30 days.
Furthermore, each type of travel insurance will be available for cover in Europe or worldwide (either including or excluding the USA/Canada) and you can buy a travel policy for a single traveller, a couple, family or even a group.
While selecting the policy, your health and age play a significant role. Always declare your medical conditions; otherwise your claim will be rejected. Generally, the older you are with medical conditions, you may have to pay more for your insurance and a higher excess. While some of this is unavoidable, our travel insurance comparison tool can help you to find best deal possible, including for travel insurance over 70s.
What will a standard travel insurance policy cover me for?
The travel insurance policy will depend on the level of cover you buy. Majority of travel insurance policies will cover you for as standard;
Emergency medical cover
– this is an important and essential to cover hospital treatment charges, replacement ticket to get home if you cannot use your own, and additional expenses to cover your accommodation and transport for relatives/close friends as a minimum.
– this will cover in case you accidentally injure someone or damage their property.
Lost baggage (flight only)
– by law, airlines are required to pay a specified amount of money per kilo of lost luggage. But it is unlikely to cover the full amount of your luggage.
– if you are covered for theft, insurers will ask for a police report.
– some travel insurance policies include cover for missed flights, which should include covering any travel expenses in reaching your destination.
The cost of cancellation
– can help you to recover your cost in the event you are unable to travel. This may also cover delayed or cancelled trip where the airline/travel provider is at fault.
Always check your travel insurance policy before you travel, as pre-existing medical conditions, extreme sports, incidents that take place under the influence of drugs or alcohol, natural disasters like ash cloud and terrorism are not usually included in standard policies.
What should I look for when comparing travel insurance policies?
There are some important features that you need to check, as all travel insurance policies vary, and it depends on the insurers and their policies. Main aspects to look out for:
– Always check which exclusions apply as there are certain reasons can influence your insurance valid; for example, if you plan to travel to a country that the government has clearly advised against or injure yourself while under the influence of alcohol.
– This is the amount you are expected to pay towards your claim. Price of the policy also depends on the excess, therefore look out for a policy excess of less than £100, unless you can afford to pay more in the event of a claim. For joint cover, you should check is whether this amount is per person or per policy.
– this will cover you (up to a certain amount) if you accidently injure a third party, or damage someone property and end up getting sued.
Legal expenses and advice
– Always check in the policy that if you suffer injury while abroad, especially in countries where legal aid is not available.
Single item limit
– The insurance company will pay maximum for a single item. Expensive items or electronic goods may be worth more than the single item limit, so check your policy before pay.
How much travel insurance cost?
The cost of the travel insurance depends on the level of the cover, where you are travelling to and your personal circumstances. The cheapest quotes may not give you the right level of cover. Therefore, it’s always best to compare travel insurance policies.
The least expensive are the single trip policies start from under £10, this may be the best option for young travellers and want to buy student travel insurance. Annual multi trip travel insurance is usually more expensive because they cover the whole year. If you take worldwide travel insurance cover, it will cost you more.
The other factors which may increase your quotes depending on the type of cover you include, like winter ski travel insurance, age and health factor, especially if you are looking for travel insurance over 70, with illness. It’s always risk to travel for women’s while they are pregnant, but sometimes on personal level you may need to buy travel insurance pregnancy which may increase your cost of the policy.
Do I really need travel insurance?
Yes, because travel insurance covers you getting home and medical expenses paid. Although it is not illegal to travel without insurance, but just for your peace of mind, your holiday insurance will cover you and your family from any unexpected event.
Many travellers never have to use their travel insurance while abroad, but having covered will give you protection and comfort, to enjoy and relax your holidays with your loved ones.