Why is travel insurance important?
Taking out travel insurance can cover you against things that could go wrong when you’re abroad. Having travel insurance is important as it can help you out if you lose your possessions, if your flights and accommodation are delayed or cancelled, or if you become ill or injured while on holiday or a business trip.
What does travel insurance typically cover?
Travel insurance policies usually provide cover for the following:
Cancellation & delay: Including missed departures and curtailment of your trip.
Medical expenses: This will cover any costs incurred if you have to visit a doctor or hospital abroad.
Personal liability: If you cause damage to possessions or injure someone, cover is provided.
Emergency assistance/repatriation: If you need to be brought back to the UK due to injury, your costs will be met.
Baggage & belongings: Protection if your luggage or possessions are lost, stolen or damaged is provided as standard with most policies.
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If you have an illness or medical condition for which you’ve had treatment, you need to provide details to your insurer. Heart problems, diabetes, cancer and respiratory illnesses (such as asthma) are among the conditions that need to be declared as they could be excluded from your policy, and not mentioning them could invalidate your cover.
If you have a condition, you may have to pay more for your insurance.
You can find out more about pre-existing medical conditions with our dedicated guide.Get a pre-existing medical quote
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What is travel insurance?
A decent travel insurance policy is a sensible thing to buy for any holiday or overseas trip. If you’re injured whilst away, travel insurance can cover your medical expenses and any repatriation if it’s a serious injury. If your trip needs to be cancelled for some unforeseen reason, such as the illness or death of a close family member, then travel insurance may cover any monetary loss. And if your baggage or belongings are damaged or lost, then travel insurance could compensate you up to a set limit.
How much is travel insurance?
Travel insurance doesn’t have to cost the earth: policies start from as low as £4.79† for a personal single trip cover, or £10.69† for annual cover.
How much your travel insurance policy costs depends on what sort of cover you opt for and how long the policy covers you for. Travel insurance quotes will also take into account if your policy is personal or if you are travelling with a partner or your family.
There are the optional extras you can include, such as legal expenses insurance, sports equipment – for a ski holiday, for example – and personal liability cover, that will increase the price of travel insurance.
†Based on an individual aged 18 taking single trip cover for 3 days to France. Cover starts on 1st September 2018 and ends on 3rd September 2018. Annual cover from £10.69 based on an individual aged 18 taking annual cover for travel in Europe. Cover starts on 1st September 2018 and ends after a year.
How does travel insurance work?
It’s advisable to purchase travel insurance the moment you book your trip, because without it you risk not being covered in the event of something disrupting your holiday.
For example, if an illness or weather disruption affected your trip, you would not be able to claim for any damages or refunds if you haven’t already bought insurance.
Travel insurance covers you after the event, which means that you will normally need to pay for any costs upfront and then make a claim to the insurance company, much like any other type of insurance. You will need to keep any documentation for this reason, hospital bills for example, as otherwise your claim may be refuted.
You should always read the small print to know exactly what you are getting and what you are covered for. Some policies might not cover everything you need, so double check before you depart.
What does excess mean in travel insurance?
As with any insurance policy, an excess is the amount you will need to pay when making a claim, and it varies by insurer. This is the part of the claim you must pay to allow for the insurer to pay for the remainder. If you have a policy with a £150 excess, for example, then you claim for a baggage loss of £800, you would pay the £150 and the remaining £650 would be paid out by your insurer.
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