Travel insurance doesn’t just cover lost luggage and cancelled flights. When accidents happen, it’s a financial lifeline. Forgetting your travel cover, or going for the cheapest option, might end up costing you thousands – so how can you get the peace of mind of knowing you’re properly protected?
Get cover for the unexpected.
When Caroline Brown fell off a banana boat on a Greek island, she was concussed and lost her memory for 9 hours – but fortunately she hadn’t forgotten her travel insurance. After 3 visits from the doctor, Caroline was back on her feet. And thanks to her insurance she claimed back all the medical expenses.
If you fancy trying something new on holiday such as horse riding or bungee jumping, make sure your activities are covered. And even if you’re not planning anything quite so adventurous, it’s still vital to have the right travel insurance.
Avoid a financial headache.
Accidents and sudden illnesses affect thousands of travellers every year, and the costs of medical treatment or flying a loved one home can run into thousands. Inadequate travel insurance could mean the added worry of a huge financial burden.
When something goes wrong on holiday, the right insurance really shows its worth. Cheaper policies may pay partial costs – but exclusions and excesses can leave a shortfall that you or your family will have to bear the brunt of. So when choosing your travel insurance, check that the policy really covers you for what you need.
Know what your luggage is worth.
When you add it all up – outfits, shoes, digital camera, MP3 player, phone, jewellery, designer sunglasses – there could be thousands of pounds in a single suitcase. And if you’re into golf, scuba diving or skiing, that figure could rise even higher.
We all know that sinking feeling when you reach for your phone or camera and find it missing. But if you’re not insured, you’ll have to foot the bill yourself, and that’s enough to ruin your holiday. Work out what your luggage is really worth, and check you’re fully covered.