Brits urged to book travel insurance as soon as possible when planning a trip
When booking a holiday, it's imperative to get travel insurance; after all, if something goes wrong it could help save you thousands of pounds, whether that's due to a cancellation, a medical emergency or stolen items.
Everyone has different needs when it comes to insurance, whether you have a pre-existing health condition or need specific policies for the likes of cruises or ski holidays, but there are some main checks you should always do when looking at a new policy.
Luckily, the experts at insurance comparison website QuoteZone have shared their top tips to offer a helping hand, including both tips when choosing a policy, and the factors to consider when you're actually on holiday too.
Check out their advice below...
Top tips when choosing travel insurance
Make sure to follow their tips before you part with your cash (Getty Images)Check for Covid coverage
Eight remote and beautiful but brutal jobs if you want to leave it all behind
Make sure you take the time to read the full policy details including what's included, excluded and any restrictions on claims. Pay particular attention to any Covid-related coverage and its T&Cs, as some covers have significant variations on what you could claim for.
Compare policies
Make sure you leave time to compare policies from different providers. Focus on finding comprehensive coverage, competitive pricing, and positive customer reviews. Don't forget to consider important factors such as trip cancellation, medical coverage, baggage protection, and emergency assistance services.
Don't overlook pre-existing conditions
Make sure your policy covers pre-existing conditions you have - it's crucial to disclose the information as your policy could be void if you have not fully declared your medical history. There are some providers that specifically have cover for certain conditions so make sure to do your research.
Don't leave it last minute
You should aim to buy your travel insurance right after booking a trip; delaying the purchase until closer to your departure date could result in fewer coverage options, especially if any unforeseen Covid-related issues arise before your trip.
Check your package holiday is ABTA or ATOL protected
If it’s a package holiday you’re hoping to travel on, check it’s ABTA protected – they will refund or replace your holiday should the plans be altered by a change in the situation at the holiday destination. ATOL protection means customers won’t be left stranded abroad if the tour operator or airline goes bust.
Tips for when you're on the holiday itself
Things can go wrong on holiday but keep a few extras in mind to avoid unnecessary stress (Getty Images/iStockphoto)Pack your EHIC/GHIC
Passenger spots graffiti begging Jet2 to stop playing 'moronic' Jess Glynne song
This allows you to access medically necessary state-provided health care in Europe at a reduced cost or sometimes for free.
Keep documentation
Keep a copy of any medical records, receipts and notices of cancellations in case you need them when submitting a claim - it can make the process a lot smoother.
Don't ignore travel advice
If the UK Foreign Office advises against travel to a destination and you go anyway, it's unlikely you'll be covered. Also stay up to date with guidelines from authorities; for example, you won't be eligible to claim if you travel to a destination against government advice, or get turned away at the border because you didn't meet certain visa requirements.
Have an emergency fund
Make sure you can access additional funds in case you need to pay for any expenses upfront. You can opt for travel cards with reduced or no charge rates for abroad, or take a credit card.
- You can find out more on quotezone.co.uk.
Read more similar news:
Comments:
comments powered by Disqus
