It’s extremely important to make sure that you have valid holiday safe insurance when going abroad, especially within the current Coronavirus pandemic. There are several things that seem certain to be contained within any travel insurance policy (for example, hospital treatment and hotel cancellations), but there are also many other things that may be included that holidaymakers are not aware of. Listed below are three surprising things your travel insurance may cover.
Whilst most travel insurance companies cover injury to some degree, many policies also cover death. This will depend on the policy itself, so it is worth checking before trying to claim for this, but many travel insurance policies will cover the cost of cancelling a trip if a close friend or family member dies, even if they were not one of the people listed on the policy. Some travel insurance policies even cover the policyholder against death, with the repatriation of remains sometimes covered – your family may even receive a pay-out if you die on your trip, although this may not apply if you visit a country where travel is warned against due to potential danger.
Small medical costs
Surprisingly, a lot of people don’t realise that travel insurance usually covers the cost of small medical procedures, with many instead thinking it only stretches to major surgery. Whilst there may be an excess to pay (so the cost of smaller treatment may actually be cheaper than paying the excess), it’s worth checking out, in case you do encounter minor injury when on holiday.
When considering travel insurance, it’s usually assumed that it only covers humans. Whilst separate animal/pet insurance can be purchased that is specifically designed for your pet, some travel insurance companies have now started to cover pets under general travel insurance policies. Each policy will differ, but some things a general travel insurance policy may cover include emergency vets visits and treatment, cancellation of the trip in case your pet is too ill for you to travel, and early return costs in case you and your pet have to return home early. If you are taking a pet on holiday with you, it is important to make sure they are covered by your policy.
Shopping for holiday cancellation insurance can sometimes be overwhelming – contact us today to find the best travel insurance policy for your trip!