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Travel Insurance

What are the benefits of travel insurance?

When you’ve booked your flights, hotel and airport transfers, there is one more consideration to keep in mind. Taking out a cruise travel insurance policy before you set off can be extremely important for a variety of reasons. If your holiday is cancelled, if something goes wrong during your trip or if you fall ill when you are abroad, travel insurance can provide you with an essential safety net.

You may not want to think about the things that could go wrong during your holiday, but it is always important to plan ahead. So what are the main benefits of travel insurance and why should you never set off on holiday without it?

Protects against cancelled trips

If an unforeseen event occurs, causing the cancellation of your trip, it can be disastrous to lose hundreds or even thousands of pounds. Cancellation can occur for a variety of reasons, such as an unexpected illness affecting one of the travellers or any other event which prevents you from going. In many cases, your package provider, hotel or airlines may not be able to refund the money. Therefore, having a trusted trip cancellation insurance policy allows you the recourse to recover your funds and not be left out of pocket.

Of course, it is extremely important to check whether or not your policy covers cancellation in the event of certain acts of God, such as earthquakes, wars, hurricanes or tornadoes, as some policies exclude these from the terms.

Protect your belongings

If your luggage goes missing during your travels, you lose a treasured item or you are the victim of a theft, having travel insurance means that you can claim the value of the items that you have lost. This will give you peace of mind and allow you to enjoy a stress-free trip.

A lifeline in the case of illness or injury

Falling ill or having an accident during a foreign holiday is a disconcerting thought. However, when you are covered by an insurance policy, you can rest easy knowing that your medical expenses will be covered. Even repatriation may also be covered, so whatever happens, you will remain financially protected and you won’t be left with vast and unaffordable medical bills.

Find the best travel insurance for your trip today.

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Travel Insurance

Three things that may be increasing the cost of your travel insurance

Despite the benefits of travel insurance, such as cover for medical emergencies, some people don’t invest in it due to its cost. Travelling without cover could end up costing you far more than the price of cruise insurance, should something go wrong. Regardless, here are three things that may be increasing the cost of your travel insurance and what you can do about it:

Unnecessary benefits

In general, the more benefits a travel insurance policy offers, the more it will cost. Factors such as the value of lost goods covered and the amount of cover for medical expenses will impact how expensive a policy is. Obviously, you should ensure the policy you take out offers you the cover you need. However, if you don’t need the highest level of cover, don’t pay extra for it. For example, if the policy offers to cover stolen goods up to a value far higher than the value of your belongings, you could save money by reducing the value the policy covers.

Paying per trip rather than annually

If you travel more than twice a year, you could probably save money by choosing an annual travel insurance plan. These plans cover you for an entire year, regardless of how many trips you take during that time. As well as being more cost-effective, annual plans are a good option for people who frequently travel on short notice and so don’t have much time to organise insurance before leaving.

Pre-existing medical conditions

As travel insurance is partially intended to help you pay for medical emergencies while away, factors such as pre-existing medical conditions can increase the cost of your policy. This is because some medical conditions make it more likely that you will become unwell and need to make a claim. However, this does not mean it is impossible to get travel insurance if you have a pre-existing condition. Using a comparison website, such as ours, is a quick and easy way to see the options available to you.

To check how much you could save on your flight insurance, use our website to compare the policies available and find the best option for you.

Photo: Free image by Pixabay