Thinking about Travel Insurance?
Around this time of year, many of us are putting the final planning in place for our summer getaway. Unfortunately, during this busy time, there is always the chance that travel disruption, strikes, sickness and other elements out of your control can not only end up damaging these plans but also your budget. That’s where a travel insurance policy should be a must have for any trip. Below are some of the best ways to ensure that you are covered no matter what happens.
- Always purchase Travel Insurance as soon as you book your trip to ensure you are covered for cancellation straight away. It can be easy to push this off until the last minute, but you can run the risk of having a claim declined if you or a family member falls ill prior to taking out the Insurance.
- Read the important conditions relating to health. Most policies will require a medical declaration to determine if you have any pre-existing conditions or taking medications. If you do not state these conditions prior to purchasing the policy, you may not be protected if you have an incident related to it.
- Check the summary of benefits to ensure you have sufficient cover. Be aware of reduced limits on Medical, Cancellation and Baggage cover with cheaper policies. Always make sure to check the Excesses on a policy so you know that if the worst happens, you won’t end up still having to pay a large excess fee to make your claim.
- Check all additional cover options because things like Winter sports, Excess Waiver and Travel Disruption usually incur an additional fee as they are extras on your policy.