Whether you're travelling at home here in the UK or to some exotic destination abroad, travel insurance is there to protect you financially should the worst happen.
From simple things such as delayed or lost luggage, right up to repatriation due to illness or complete cancellation of your holiday altogether, travel insurance has it covered.
What Are The Different Levels Of Cover?
There are a number of different types of cover depending on where you're going, how long you're going for and how often you're likely to travel.
The first thing you need to decide is if you want to buy a single trip or multi trip policy. Single trip is obviously cheaper but if you're likely to be travelling again in within 12 months, it will possibly work out more economical to purchase a multi trip policy.
Cover is usually then split into three groups, UK, European and Worldwide. There's no point in spending extra on a worldwide policy if you're only ever likely to travel to Europe.
You can, of course, then add extras such as winter sports cover or cover for the whole family. Specialist travel insurance policies may also be needed for those with pre-existing medical conditions, the over 65s or perhaps those taking longer holidays such as gap years.
What Is Covered By Travel Insurance?
Although not compulsory by any means, travel insurance covers a number of risks, some of which actually occur quite frequently.
Travel insurance usually covers:
- Medical expenses
- Cancellation or delay to your holiday
- Lost or damaged baggage
- Theft or loss of cash and cards
European Health Insurance Card
While the European Health Insurance Card (EHIC) may cover some of your medical expenses whilst travelling in Europe, it's certainly no substitute for a full travel insurance policy. Some insurance providers may insist you have one so it's worth checking the small print.
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