Buying travel insurance? Make sure you’re covered

Before you go away, it’s important you have the right cover for the type of trip you are going on. Whether it’s a short city break, a long holiday on the other side of the world, or you’re strapping on your skis and hitting the slopes- it’s always important to make sure you have the insurance you need before embarking on your adventure.

Single trip

If you’re only going away once or twice a year, then single trip cover is most likely the best option for you. Always check what the policy excess states as generally the cheaper the policy is, the higher the excess. Another thing to look at is whether you are covered if your holiday is cancelled. Cancellation is one of the most common reasons for travel insurance claims, and some policies may only cover certain situations and to set amounts.

Multi-trip

If you know you’ll be going away more than twice in a year, then multi-trip cover can be a cost-effective way of purchasing travel insurance for the whole year. It’s extremely important to check that the countries you’ll be visiting are definitely covered within the policy terms. As with anything, always read the fine print.

Sports cover

Activities covered in policies can vary greatly, and this is always something to check if you are about to embark on a horse-riding or skiing holiday. If you are planning on participating in any activity that’s considered high risk whilst away, you must make sure your insurer is aware. Some will include cover for activities as standard but for some it may be an optional extra or not available at all.

Medical conditions

When going anywhere, it’s always a good idea to have a medical check-up before-hand if you have any pre-existing medical conditions. You should be looking for at least £2 million cover, but most policies will include up to £10 million.

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