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It's never been more important to get holiday insurance
Comparing holiday insurance can seem quite overwhelming. It really isn't!
Don't leave home without it. It costs travellers hundreds of millions of pounds every year in medical expenses, alternative flight and hotel bookings and other disruptions.
Don't forget travel insurance, so you aren't caught off guard.
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Prepare for any eventuality. When you go aboard, you want to know that you're protected in the event of:
- a medical emergency
- personal liability
- cancellations or other possible situations that unfortunately do pop up for some of us.
Get a quote that's right for your needs and compare holiday insurance policies to get the best deal possible!
We've put together a quick guide to travel insurance with the most important information you'll need to make the best and most cost-friendly choice for travel insurance.
It's never been more essential to have your pre-travel checklist sorted. You'll need to think about visas and other travel document requirements as well as restrictions regarding vaccinations and negative tests.
What travel insurance policy should I get?
This will depend on what kind of traveller you are. There are many different options available, but a good starting point should be to look at these three broad categories of insurance policy:
Single-trip - the perfect choice for a one-time trip to a destination. Cover generally ends when you arrive back home. It's the most common type of travel insurance.
Multi-trip - also known as 'annual travel insurance' is designed to be an economical alternative to single-trip travel insurance. If you travel roughly three or more times in a year, then you should get annual cover which is a 're-useable' insurance policy. It's usually cheaper than purchasing multiple, single-trip policies.
Back-packer - a product for the adventurers! If you're travelling to numerous countries on a single journey, then you'll want this flexible policy. It caters perfectly for the fluidity of the traveller, and will include a number of extra features as standard within the policy to cater for the particular needs of that style of travel.
What am I covered for?
This is an excellent question. When looking at your policy quotes, there are things to consider beyond simply the type of policy.
There'll be variations to what's covered and there are also additional protections you can add to your travel insurance policy.
Some of the features to look out for are:
- Medical cover provided (and level of excess) - the single most important thing to consider
- Cancellation cover
- Gadget cover
- Worldwide cover (including USA)
- Worldwide cover (excluding USA)
- Insurance for cruises
- Sport and Activities cover - including equipment (e.g. skiing)
- Cost of getting you back home if you have an accident or fall ill
- Lost or stolen items
- Business Bankruptcy
Remember: a cheaper price can mean you are covered for less or have a larger excess amount. It's more important to think about what you need, rather than what you spend when it comes to ensuring you are fully protected. It can be more costly if something were to happen and you weren't appropriately covered.
Does my age affect the cost?
With almost all standard policies across the board, your age will play a factor in the premium you'll be charged for your policy. Travel insurance is no different.
When an underwriter analyses probability models to estimate the cost of a policy, one of the basic assumptions is the older you are, the more likely it is you may need to claim on the policy. One of the factors is the likelihood of needing medical care. As such, this component is included in the 'risk level' by the time a quote is presented to you.
There are lots of graphs and studies about this, but some can be misleading. The best way to know for sure is to search over 30 providers through us who will give you up-to-date, competitive and specific quotes for your own needs.
Can I get travel insurance if I have an existing condition?
This used to be a real issue, but luckily, there are now providers who specialise in travel insurance for medical conditions.
These providers can also be found through us as we seek to ensure everyone has the chance to get protected, so they can travel with peace of mind.
Once you start looking for a quote, you'll see a section that asks you to 'click here' if you have a pre-existing medical condition. Just click and you are on the way.
Is travel insurance really needed?
A lot of holidaymakers are put off getting insurance because it can seem complicated and daunting. With all the other things to think about, it can feel like a low-priority task that can be put off or dismissed altogether.
But it can turn out to be one of the most important things you shouldn't have overlooked, so be travel smart and compare travel insurance with us.
While it might be tempting to take the risk - thinking things never happen to you - in the snap of a finger, you can find yourself in a predicament that can be very costly.
According to Finder.com in 2018, £399 million in insurance claims was paid out by travel insurers covering British travellers. The very next year, 2019, over 8 million British tourists travelled without insurance.
There are millions of claims made worldwide every year and the uninsured-market cost can be even higher and is paid out of the pockets of customers. This just shows the travel insurance market plays a vital role in the holiday industry and is highly recommended protection for everyone travelling internationally and even domestically.
We never want anything to happen and we can be as careful as possible, but remember things such as cancellations, travel disruptions or an accident will be out of your control to stop or change.
It's not just about you being covered from things you may do - but most importantly, from things that may happen to you.
Do I buy travel insurance before or after I book my flight?
The general consensus (which we also agree with) is to buy travel insurance right after you book your flight or holiday.
That way if there is a flight cancellation or an issue before you land at your destination, your cover is already live and ready to be used if needed.
As long as it's before the flight (if you are flying) then you're usually fine. A lot of holidaymakers buy travel insurance two or three days before they are due to head out.
But sometimes, it's better to get it sorted early, as you don't know what could come up between booking and actually leaving.
This is the nature of the game - we don't know what may happen on holiday, but if you're insured, you've made a good decision to look after yourself so you can enjoy an amazing time away!