Travel insurance is one of the most important things you need for any trip, whether it’s business or pleasure, an international holiday, or a COVID-secure staycation, a week in the sun, or a year-long round the world adventure.
Most people will be happy with the general policies available, although you may need to check to see what cover you have while the coronavirus pandemic continues. Bespoke packages can be tailored to suit the needs of those with more particular requirements.
We have a look at some reasons to make sure you have travel insurance for your next trip.
Health Treatment and Evacuation Cover
Whether it’s a car accident, a trip and fall, or adventure sports injuries, having cover for your treatment and potential evacuation if needed can be a crucial part of your insurance policy, which otherwise could run up costs of tens of thousands of pounds.
Cancellation of Connections
If your journey takes on more than one flight or train journey with multiple connections, most insurance policies will cover you in case you miss your connecting flight or next leg of the journey.
Your insurance can cover alternative transport arrangements and may even help find emergency accommodation if your missed connection leaves you stranded.
Losing Your Documents Abroad
Without your passport and travel documents, it can be very difficult to get home, or even get through the security in the airport.
A good insurance policy will include cover to help replace your documents and provide assistance to get you home again.
Illness Before Your Trip
A common reason for the need for trips to be cancelled is falling ill before you go, and are no longer fit to travel. A policy that covers this will make a big difference, especially if you are planning an expensive trip that could be very difficult or expensive to replace.
Adventure and Sports Coverage
If you were planning any adventurous activities or sports while you were away – such as skiing, sailing, scuba diving, etc. – then this coverage is essential. Whether it is just lost golf clubs, or a serious injury while skiing, ensuring you are covered for it will be a huge help.
Terrorism or Civil War
While this is relatively uncommon, if you are travelling to countries that may be at risk of terrorism or are politically unstable, it may be necessary to cancel your travel plans. If this is covered in your policy, then being reimbursed for those journeys that you don’t use can be very useful.
Lost Luggage
Unfortunately, it is quite common for airlines to lose luggage they have been entrusted with. If your luggage has been misplaced, you may need to buy new clothes and other items, which your travel insurance can help with, as well as the cost of the luggage if it is not recovered.
Assistance with Emergency Prescriptions
Misplacing medicines might not mean you need urgent medical assistance, but filling in an emergency prescription is something that many insurers can help with if your medicine is lost or stolen, helping reduce the stress over getting medicine replaced.
For most people, a trip will go without a hitch, but money spent on travel insurance that is not needed is never money wasted.
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