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Travel Insurance

What does a good travel insurance policy look like?

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If you’re asking yourself what a good travel insurance policy looks like, you’ve come to the right place. To ensure you buy the right policy for yourself, we’ve highlighted some must-haves that make for the perfect long term travel insurance plan.

Must-have features

Travel insurance policies vary, and they offer different features and cover different losses. However, there are some features that you should never compromise on when purchasing a policy, such as:

1. Medical expenses

A good policy should cover medical expenses up to a limit of £5m. However, if there’s any treatment that can wait until you return home (according to a medical opinion), it won’t be covered.

2. Repatriation service

This feature should be covered automatically, and it includes the costs of getting you back home for medical reasons. Again, any treatment that isn’t necessary and can wait till you get back home won’t be covered.

3. Cancellation

A reliable policy covers cancellation for £2,000 or more, but remember, insurers only cover this in certain circumstances. For instance, they may only cover cancellation if you fall ill, so read the terms and conditions of your policy carefully.

4. Missed departure

An ideal travel insurance policy should cover delayed or missed departure in cases beyond your control, such as vehicle breakdown or bad weather. Normally, policies will give you £500 or more.

5. Baggage cover

If you’re travelling to high-risk or expensive shopping destinations like the UAE, you need a baggage cover to protect you from luggage loss or theft. A good policy should cover £1,500 or more.

6. Travel abandonment

A reasonable travel insurance policy should cover you for travel abandonment for £2,000 or more. But remember, insurers only cover this in certain circumstances, so read between the fine print to find exceptions and exclusions.

7. Personal liability cover

Most travel insurance policies will give you £2 million or more in personal liability cover.

Bottom line

An ideal travel insurance policy must have these seven features. If it doesn’t, you’re better off finding another provider. Luckily for you, we’ve made that easy with our travel insurance comparison tool, which allows you to compare plans and policies from various providers.

Use it today and find the perfect insurance policy for your travelling needs.

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Travel Insurance

Surprising things that travel insurance DOES cover

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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

Why do you need travel insurance?

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When going away on a trip, no matter how long or short, purchasing covid travel insurance is always advisable. While visiting a different country is a very exciting experience, a sensible traveller should always be prepared for the worst-case scenario. By taking out travel insurance, you can be confident that you will be financially protected no matter what happens on your leisure or business trip. To learn more about why travel insurance is so important, continue reading.

Combat coronavirus

Having travel insurance during the current coronavirus pandemic is more important than ever. Many countries have travel restrictions in place that limit who can and cannot enter the country. If you have a trip aboard planned, make sure to take out travel insurance as soon as possible, and look for a policy that covers coronavirus. Getting the insurance now means that if your trip is cancelled because of the virus, you may be reimbursed. Plus, if you do catch the virus or any other illness while you are away, your medical bills will be covered.

What else does it cover?

As well as paying for medical expenses, travel insurance can cover you for any other issues that might occur. This includes any lost or stolen baggage, lengthy delays, emergency assistance and personal liability. Most insurance policies have optional extras that you can choose to add on if necessary. For example, if you are going on a sporting vacation, you may need to take out further insurance to cover you if any accidents happen.

How do I apply?

The first step to getting travel insurance is using a comparison website. Fill in the questions in detail, making sure to include any pre-existing conditions you may have, as well as the length of your trip and your age. From there, the website will inform you of the cheapest deal that will protect you while you travel.

To find the best travel insurance deal for you, you need to compare insurance quotes. This is where Compare Insurance can help. We provide insurance quotes online with our simple comparison tool and can help you save money. To get started, use our online comparison tool today.

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