Ensure you’ve had all vaccinations before travelling: When travelling to an area where diseases such as malaria are in abundance, it is paramount to ensure the right vaccinations and medications are taken. Without these, not only are the chances of becoming unwell enhanced, but if you were to fall ill with an illness that could’ve been avoided with a vaccination it could void your travel insurance policy.
Dismissing travel insurance: Our data shows that one in ten Brits do not take out travel insurance. Some consider it to be overly expensive and an unnecessary additional cost. You are leaving yourself at risk to anything by doing this. The cost of taking out travel insurance pales in comparison to the thousands you may end up having to spend to fix a broken leg.
Accidents under the influence: While relaxing and having fun is an important part of any holiday, drinking excessively and sustaining an injury as a result could void any travel insurance premium taken out. It is important to stay within limits and be conscious of your surroundings.
Leaving it last minute: A decent policy is likely to cover anything that can disrupt you getting to your destination in the first place. Potential injury, illness or even aviation issues can lead to the cancellation or postponement of any holiday so it is important to get in ahead of time and ensure your policy is ready before setting off. You won’t be covered if you take out a policy after the fact.
Cover the right activities: While most travel insurance policies cover a number of sports, leisure activities and events, there may be some that aren’t included in your policy. It is important to check if sports such as skiing, snowboarding and watersports are included as these sometimes require an additional premium. The same can be said for hiking above the 2,000 metre altitude point.
Disclose all pre-existing medical conditions: If you fall unwell due to a pre-existing medical condition, your travel insurance will not pay out if you failed to declare it. Not only will this leave you facing a number of hospital bills, you will also lose entitlement to cover on any potential missed flights. Even if revealing your pre-existing medical condition bumps up the price on your premium by a few pounds, it is worth it in the long run as it will pale in comparison to what you could end up spending.
List the family: While children of some ages are covered free of charge on some policies, they still need to be listed when booking. Any policy you take out cannot cover anyone that is not listed at the time of purchase.
Not settling for free travel insurance: If you have travel insurance included with your bank or one of your credit cards, it is important to familiarise yourself with the terms and conditions of your policy. The insurance offered by most bank accounts and credit cards of this nature are unlikely to cover the loss of baggage or any other medical expenses so you’ll still need to purchase cover for these possibilities.
Know your location: Always make sure the country (or countries) you’re travelling to are covered under the terms of your policy. Some policies only cover single continents, so it is important to establish if the places you’re going to are specifically covered and that your policy remains intact for the duration of your stay.