Travel insurance - YOU have the choice!
Choosing the right travel insurance policy from hundreds can be a daunting task.
Despite myriad offers in circulation, it is advisable to focus on choosing a policy that best fits your needs.
The Foreign and Commonwealth Office recommends, at a minimum, that a policy should cover:
Emergency medical assistance for injury or sudden illness
24 hour emergency services
Lost and stolen possessions
Cancellation and curtailment
All intended sport and recreation activities
Here is a selection of booking tips
Levels of cover:
Choose the policy that has the level of cover appropriate to your party, including cancellation cover for the full value of your trip. Most household policies offer new for old cover for possessions whereas a large majority of travel insurers will only pay out on an indemnity basis (i.e. your cost less a deduction for wear and tear). If you have valid household possessions cover for overseas trips, consider excluding baggage cover from your travel insurance policy. You may get a discount on your premiums and retain full replacement cover at the same time.
Generally, if the policy excess is higher, the price of the policy will be lower. Excesses are usually applied on a per person basis in the event of a claim. Many insurance providers waive their excess when a European Health Insurance Card (EHIC) is used to reduce the cost of medical treatment.
Have fun but be safe:
If you think that you might take part in any sports or activities (e.g. bungee jumping), then ensure that you have full cover for this. Most policies detail a list of activities you would be automatically covered for. If your activity is not on the insurers list and they cannot provide cover, look around for another one that will. Your insurer may impose an additional premium and/or other conditions if your intended sport is considered to be hazardous.
If you travel more than once a year:
You may be better off with an annual multi trip policy. If your holiday plans include a winter sports break and/or trips outside of Europe, the savings can be even greater.
Your policy document:
Take a copy with you when travelling. Brief others in your party about what to do in an emergency. Many quality insurance providers will be happy to send your policy details and the medical emergency contacts directly to your mobile at no extra cost.
Finally, do please read the policy document:
It may take time, but it's the only surefire way to know what you are covered for. When reading the policy, look at what is covered rather than searching for an exclusion that may not be in there.
Wherever you decide to travel, always confirm you and your party are fully covered by a reputable travel insurer to ensure you are protected in the unlikely event of a mishap. Flexicover Direct. the travel insurance specialist, is committed to providing the highest level of service to ensure that you are safe and secure, 24 hours a day, 365 days a year when away.
24 hour emergency service is provided by AXA Assistance, UKs leading travel insurer, who can give you the right help when you need it most. That's when you discover the real value of quality travel insurance.
If you are travelling soon, have a great trip!