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Travel Insurance

3 holidays that make travel insurance more expensive

When looking to go on holiday, travel insurance is a must. Being insured for the unforeseen is essential for a stress-free trip. There are many levels of insurance that are available, depending on what kind of trip you have planned. If you are going on a standard beach holiday, for example, most holiday insurance will cover you for the basics. However, there are some types of activity holidays that can increase your insurance premium. This is largely due to the increased risk of you needing to claim on your insurance. These are known as ‘optional’ or ‘add-on’ costs and they allow for more comprehensive and specific cover.

Here are the top 3 holidays that will increase your insurance costs.

Winter sports

Comprehensive medical insurance is essential for a ski or snowboard holiday. Broken legs or fractured bones can ruin a trip, but you don’t want to be burdened with spiralling hospital costs as well. Alongside medical cover, an extra travel insurance add-on will ensure you’re covered for such eventualities as piste closures, lost lift passes, and associated ski equipment hire, amongst other things.

Golfing holiday

Alongside winter sports, a golf holiday needs a special mention on your travel insurance. If your equipment and clubs are stolen, lost or damaged, or if you don’t make it onto the course, you will be compensated for the costs you incur. Replacement golf equipment hire and the reimbursement of green fees comes as standard too.

Going on a cruise

This additional cost to your insurance premium is a must if you are going on a cruise. Loss of valuables and baggage will often only be covered with this add-on premium. This insurance is very specific and can even cover you if you are unexpectedly confined to your cabin.

One way to off-set these add-on costs could be to increase your excess, which is a term used to describe the money you pay before your insurance pays the remainder of the cost. Be sure to compare all the different travel insurances out there to get the best possible price.

Photo: Free image by Pixabay
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Travel Insurance

Can I buy travel insurance during COVID-19?

These are uncertain times for travellers, and with travel being affected by the ongoing worldwide pandemic, many people are wondering if it’s still possible to buy travel insurance during COVID-19.

Some people still have to travel, be it for business or for essential reasons, while many more people will be eyeing up those summer holiday deals for when the lockdown loosens up and travel becomes acceptable again. In this article, we take a look at whether you can buy holiday insurance during the coronavirus crisis.

Can I buy travel insurance?

Travel insurance, trip insurance, and holiday insurance are all still for sale, even if you aren’t doing much travelling at the moment.

You can still buy insurance, but you need to check carefully what it covers. You will definitely be covered for all the usual elements, be it lost luggage or stolen passports, but COVID-19 has changed the way travel insurance deals with evacuations and with the medical side of things.

Am I covered for COVID-19?

Currently, most travel insurance providers will not cover you for COVID-19, especially if your policy has been taken out since the worldwide pandemic was declared.

For most then, this means that by travelling in the current climate, you probably won’t be covered if you contract coronavirus while you are abroad or on holiday. This might change in the future as insurance companies adapt to the new normal.

The future of travel insurance

The travel industry will undoubtedly be changed forever by COVID-19. There will be fewer flights, fewer routes, and different measures in place when you arrive and depart at the airport.

Just as the industry changes, so too will holiday insurance. Travel insurance providers will need to make sure that they can cover emergency evacuations in the case of future pandemics, otherwise, buyers might not want to purchase their insurance with them.

They will also need to be able to cover health insurance while abroad if a person contracts coronavirus. If there is a vaccine, travellers might need this to be covered by their insurance too.

Compare Insurance offers you the best deals for holiday insurance in the UAE. Offering the best travel insurance options on the market, you know that you’re getting your money’s worth every time you go abroad!

Photo: Free image by Pixabay