HOLIDAY TRAVEL INSURANCE
HOLIDAY TRAVEL INSURANCE: SMALL PRINT = BIG ISSUE!
EUROPEAN HEALTH INSURANCE CARD
Backpackers Insurance (Recommended)
All year round Insurance (Annual Holiday Insurance)
This is easy to get and covers you for the whole year so you never have to worry about when you are coming home! Nobody wants to be this guy after a bad day
The Top Ten Things To Buying Travel insurance!
1. Never buy from a travel agent, tour operator or airline
This will almost certainly cost you more.
2. Decide on the cover you need before finding deals on comparison sites
Taking your iPad with you on holiday? That £10 cheapo one-week cover is useless when you realise it has a £250 excess and a single item limit of £150, so it won’t cough up. Which? recommends travel policies should cover medical expenses of at least £2m (Europe) or £5m (worldwide); at least £3,000 for cancellation; and at least £1,500 for baggage and belongings cover.
3. Be sensible about the excess
That is the amount that you, the policyholder, has to pay towards any claim. If, for example, you claim for £600, and the excess is £150, the insurer pays out £450. If you set the excess high, the policy will be cheaper, but may not be worth having.
Moneysupermarket.com, warns some policies charge an excess “per benefit section”. “For example, if you were mugged, you could be charged £75 excess on the medical costs plus a £50 excess for loss of personal effects. Other policies charge just one excess per claim, which can work out much cheaper,” it says.
4. Check what is already covered by your home insurance policy or bank
5. Choose annual cover if you travel more than three times a year
According to Moneysavingexpert.com, if you travel three times or more a year (or twice or more if one trip is to the US) then getting an annual policy that covers the entire year’s travel for one fee is likely to cost you less than buying separate single-trip policies. But note that annual policies won’t cover backpackers on extended trips: they usually cover trips up to a maximum of 31 days.
6. Egypt is in Europe, but the US is not in the world
You don’t need to buy a worldwide policy for much of north Africa: as Egypt, Morocco and Turkey come under Europe in most deals. But watch out, some “worldwide” policies exclude the US and Canada.
7. Look out for age limits and medical exclusions
8. Even horse riding is adventurous
Many policies exclude “risky activities”, which can be horse riding, scuba diving, jet skiing or mountain climbing. If you are going on a skiing holiday make sure the policy includes comprehensive winter sports cover.
9. Independent travellers should opt for scheduled airline failure cover
If you tend to make your own flight and accommodation arrangements, rather than booking a package, it’s important your insurance includes scheduled airline and end-supplier failure cover, which protects you if an airline, villa company or ferry firm goes bust after you’ve booked your holiday. Note that even five-star policies may not cover airline failures.
10. Get an EHIC card
Best value holiday travel insurance deals