Yes, it’s probably the last thing you want to be thinking about when you’re packing your sun cream and bikini, but it’s the policy that will protect you in case anything goes wrong. And things do go wrong…
Medical difficulties, cancellations and lost baggage? A trip to a foreign hospital because you’ve fallen ill? Or have to cancel your holiday unexpectedly? Travel insurance can help with all this, and means you won’t be left out of pocket.
In fact, the Association of British Insurers has found that every week, travel insurance providers pay out medical costs totalling around £5.3 million to British holidaymakers who become ill abroad. So, while you might not be planning on breaking an arm, or catching a sickness bug that ruins your break, these things can and do happen, and hospital treatment abroad is often expensive.
Travel insurance comes in a variety of options, and choosing which type is right for you depends on a few factors. If you’re the sort of person who jets off on holiday once a year, a single trip travel insurance policy would be ideal. However, if holidays are a much more regular occurrence (lucky you), an annual cover or multi-trip policy could well represent better value for you.
So when you’re packing your passport, swimwear, and travel tickets, make sure you’ve also got your travel insurance details to hand too. They’ll be just the thing if you need to claim for emergency medical costs, or loss or damage to your possessions. Every travel insurance policy is different though, so make sure you tailor your policy to what you feel you need the most.
You should of course always read the full policy documentation and the key facts document before purchasing a travel policy to ensure that it provides the appropriate cover for your needs, as all policies vary.