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Travel Insurance

Surprising things that travel insurance DOES cover

If you’re going on a trip, purchasing travel insurance is an absolute must. Single trip travel insurance helps you go away with peace of mind, knowing that any issues that come up won’t leave you out of pocket. Most people buy travel insurance to help them in case of any medical concerns, or if their trip gets cancelled. But there are some surprising things that are included in travel insurance policies.

Note: This is not the case for all policies, so do read the information carefully before purchasing your insurance.

Illness of a travel companion

If you’ve booked a trip with somebody and they are taken ill and can no longer go on holiday, you can likely get your money back. After all, if you’ve booked a romantic trip for two in the Maldives, you aren’t going to want to go on your own while your partner is ill, right? Most insurance policies will offer a full refund for the whole party even if only one is sick.

Losing a job

If you lose your job, don’t fret – you might not have to spend big bucks on an expensive holiday. Some travel insurance providers cover redundancies in their policies, as well as if you are required to work and can no longer take holiday time. Check with your provider, and confirm if you think that there may be any risk of you losing your job.

Pet medical expenses

If you are travelling with your pet, you might not need to fork out for expensive pet-only insurance. Some insurance packages have add ons just for pets. This will cover costs like pet illness when away, as well as pet return if something happens to you while you are abroad.

Renting a car

If you’ve ever rented a car abroad, you’ll know that they often try to upsell you to their car insurance. Often, this is very costly – and you might not need it. Travel insurance often covers damage to rental cars up to a certain amount.

If you think you might require assistance in any of these forms, give your travel insurance policy a thorough read and see if it will cover you – if it doesn’t, get in contact with your provider to enquire about upgrading.

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Travel Insurance

Top 4 factors that impact travel insurance

If you are planning a vacation, you may be uncertain exactly how much travel insurance you need and why different travel insurance rates vary. Below we list the top 4 factors that influence the price of travel insurance.

1. Where you are travelling to

One of the main factors that influence the price of your travel insurance is where you are travelling to. If you are taking an international trip, your travel insurance will be much higher than a domestic trip. If you are travelling within the UAE, but would still like insurance cover to ensure you have protection against lost baggage etc, your travel insurance will be significantly lower.

2. How long your trip will be

It makes sense that logically, the longer your trip is, the greater chance you have of falling ill or experiencing a problem. For this reason, your insurance will be more expensive. It is essential, however, that even if you are only planning a short trip, e.g. a weekend away, you still seek the right insurance cover.

3. Pre-existing health conditions

A pre-existing health condition is a physical injury or illness a traveller is aware of before taking their trip. It is thought by insurance providers that individuals with pre-existing health conditions will be more likely to make an insurance claim whilst travelling, and for this reason, their travel insurance premiums are usually higher.

4. The age of the traveller

Travellers who are in their 60s or older are often considered greater risks for travel insurance providers. For this reason, travellers aged 60 or over are often given slightly higher insurance premiums, while travellers aged 75 and over will see a significant rise in their insurance premiums.

How can I get the best travel insurance possible?

The easiest and quickest way to ensure you are offered the best travel insurance premium as possible, regardless of the above factors, is to compare travel insurance rates online. At Compare Insurance, we compare the travel insurance rates from the best travel insurance companies in the UAE, to ensure you can find the best deal possible effortlessly.

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Travel Insurance

Worried about losing your luggage? Get travel insurance

The average person gets travel insurance to cover themselves against any possible injuries or illnesses when on holiday. This is, of course, a very sensible thing to do. However, a lot of people forget that insurance actually protects them against more than just humongous medical expenses. Instead, the cover can be used if you lose your luggage – either on the journey to or from your vacation destination. Let’s have a look at why it’s always so important to have this protection when going on holiday.

Before

There are a lot of people who are unsure about packing their favourite items of clothing when they go away. This isn’t right, especially since you should look and feel your best when on holiday. Thankfully, you won’t feel deterred from packing your most expensive pair of trainers or your priciest jeans if you know that you’ll receive money to replace them should your luggage become lost.

During

It will always leave a sour taste in your mouth if you lose your luggage. However, it’s true to say that you’ll shield most of the blow if you’ve got travel insurance. You won’t have to worry about how you’ll be able to afford to replace everything, meaning you can instead maintain a more positive frame of mind during your trip. This should ensure that you enjoy yourself even in the event that your luggage gets lost.

After

There won’t be anything to stop you from bouncing back when you return from your holiday. Your travel insurance provider will let you know how much money you’re entitled to after losing your luggage, so you’ll be able to start replacing items sooner rather than later. This ultimately means that you shouldn’t have to pinch those pennies just to re-fill your wardrobe with clothes that shouldn’t have gone missing in the first place.

Let us help

Losing your luggage is never pleasant, but you’ll cushion the blow to you and your holiday if you are fully covered. Therefore, don’t wait to get your hands on cheap travel insurance by sizing up different providers through Compare insurance.

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