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If you’ve chosen your destination, found a great deal and booked your next holiday, the next step is to think about travel insurance.
Whether you are jetting off to a Spanish beach resort, going on a New York city break or simply heading to the UK coast for your holiday, it’s important to buy travel insurance as soon as you book your trip.
That way, you won’t lose the money spent on your booking if something unexpected happens and you have to cancel – such as your mother falling ill or your son breaking his leg.
Read on to find out why this is and for more top tips on getting the protection you need at the cheapest price.
Buy travel insurance as soon as you can
Most of the benefits that come with a good travel insurance policy kick in when you set off on your holiday.
But cancellation cover starts protecting you the day you buy your insurance.
Designed to cover the cost of having to abandon your plans, it can prove a financial lifesaver should something go wrong in the run-up to your departure date.
Be aware though that not everything is covered: you can’t make a claim just because you have changed your mind about where you want to go, for example.
But if you or a member of your family is unable to travel due to illness or injury, or you have to stay at home due to a bereavement or being called up for jury service, having cancellation cover could save you thousands of pounds.
Consider an annual policy
Taking out annual, multi-trip travel insurance is one way to ensure you are always covered in case you have to cancel a trip or go away unexpectedly.
Policies of this kind generally work out cheaper if you take more than one holiday or overseas break a year.
If, on the other hand, you know you will only be going away once in the next 12 months, a single-trip policy that is tailored to plans will be the better option.
Either way, make sure your policy covers you for any destinations you are visiting.
If you are heading to Los Angeles, for example, you will need worldwide cover including the US.
Don’t forget about add-ons
Before you take out your travel policy, double check that it includes cover for any dangerous or hazardous activities (such as scuba diving or horse-riding) and winter sports that you might take part in.
The cost of bringing someone with a serious injury back to the UK by air ambulance could be in the region of £20,000 from Europe, or £80,000 from the United States, making it unaffordable for the majority of us.
So make sure you have the cover you require before you go, and add it to your policy so you can enjoy your holiday, knowing you’re fully protected.
A quick word about EHICs
The European Health Insurance Card (EHIC) currently gives you access to the same level of state medical care as people living in the European Economic Area (EEA) country you’re visiting. However, while an EHIC is useful, it has never been an alternative to travel insurance as it won’t cover you for problems such as cancelled flights or lost luggage, or for repatriation costs.
What’s more, once we leave the European Union, EHICs will no longer will be valid for UK citizens, making it even more important to have a good travel insurance policy in place.
Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.