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Travel Insurance

Who can I cover in my travel insurance policy?

If it’s your first time buying travel insurance, it’s normal to wonder whether you can include other people in your policy. This way, when you travel with them, whether that’s your partner, child, friend or extended family member, you have peace of mind knowing they’re also protected from unforeseen circumstances.

Keep reading to find out who you can cover with your best cheap travel insurance policy.

1. Yourself

An individual travel insurance policy covers you from any expenses related to accidents and unfortunate events such as flight cancellation. It’s the most common form of travel insurance and is ideal for people that take solo trips and vacations abroad.

2. You and your partner

Also known as a couple’s policy, this travel insurance policy covers both you and your partner when travelling overseas. It’s much cheaper than taking out two separate policies while still providing the same benefits as an individual policy. Just ensure your partner is named in the policy to avoid any surprises.

3. You and your family

If you and your family members like taking annual trips or vacations, you’re better off buying a family travel insurance policy. This keeps your loved ones safe on holiday by covering lost luggage, cancellations, disruptions and medical treatment abroad.

Normally, family travel insurance policies cover one or two adults and up to eight children under 18. However, this can vary depending on the provider, so speak to your insurer first. Some policies might also require you to live under one roof.

4. You and your friends

If you’re heading overseas with your friends or co-workers, you can buy a group travel insurance policy to protect everyone. Group policies cover a group of individuals that aren’t necessarily family and are a way to save money rather than everyone buying their own policy. However, you all have to travel at the same time for your claims to be valid.

Let us help

Shopping around for travel insurance can be overwhelming. This is why we have an online comparison tool that you can use to find and compare travel insurance quotes and policies from different providers.

Feel free to use it today to find your ideal overseas medical insurance policy.

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Travel Insurance

A guide to renewing your travel insurance policy

Buying an annual travel insurance policy is an excellent choice as you get comprehensive cover for every trip you take throughout the year. Unfortunately, your policy expires at the end of the 365 days, and you have to renew it to get continuous cover. Renewing your policy saves you the stress of having to start another policy from scratch every time your annual cover expires.

Keep reading to learn how you can renew your travel insurance policy.

How to renew your travel insurance policy

You can renew your annual travel insurance policy in two ways:

1. Auto-renew

When you first purchase your travel insurance policy, your provider will ask you whether you’d like them to automatically renew the cover each year. This way, you get hassle-free continuous cover throughout, giving you peace of mind.

Travel insurance auto-renewal is an excellent option as it gives you one less thing to worry about, especially if you’re busy with work, school or family. Similarly, auto-renewal removes the risk of your policy expiring as your annual cover rolls over to another year with no gaps.

A reliable insurer should notify you before the renewal date of your policy, detailing any changes to the premium or the policy terms and conditions.

2. Get in touch to renew your policy

If you don’t choose the auto-renew feature when you initially buy your annual travel insurance policy, you’ll have to renew your policy yourself by getting in touch with your provider. Normally, you don’t have to remember the expiry date by heart as your insurer sends you reminders, informing you when your insurance is due.

They’ll ask you whether you’d like to renew your policy for another year, and you’ll have to respond to get details on policy or price changes. Unfortunately, this can be tasking for many, but it saves you money if you’re not planning on travelling the following year by simply not paying for the renewal.

Additionally, it allows you to shop around for other policies and compare them to yours to see whether you’re getting the best value for your money.

Feel free to use our comparison tools at Compare Insurance today to find your ideal international medical insurance and annual travel insurance policy.

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Travel Insurance

Can I buy travel insurance after booking my trip?

Have you booked yourself a spontaneous or unplanned trip and need to get insured quickly? Or perhaps you forgot to buy travel insurance until the last minute? If so, it’s never too late to get a comprehensive travel insurance policy. You can purchase travel insurance after booking your trip.

Keep reading to learn more about purchasing a last-minute travel insurance cover.

Buying last-minute travel insurance

Like a standard travel insurance cover, last-minute travel insurance protects you financially from unforeseen circumstances and accidents. For example, if you fall ill during your trip, a good insurance policy will cover your medical costs, including emergency repatriation services.

Usually, you can purchase a last-minute travel insurance policy on the same day as you travel, as long as you haven’t been through customs or left your country of residence.

Limitations to buying your policy after booking

It’s essential to note that there are limitations to purchasing your travel insurance cover after booking. For one, it won’t cover the losses associated with a foreseeable event.

Picture this: You have already booked your flight, and the government issues a warning for a storm or hurricane. In this case, this is a foreseeable event with the potential of affecting your travel by delaying or cancelling your flight.

Since you’re fully aware of the flight cancellation before buying your policy, insurers are less likely to consider your claim.

Another drawback to last-minute travel insurance is that you don’t get enough time to compare quotes and policies from different providers. This, in turn, can cause you to spend more than you have to on a policy. Additionally, you may not catch certain exclusions or exceptions in your policy that burn a hole in your pocket later on.

You’re better off shopping around for a travel insurance policy early on to give yourself enough time to read and understand terms and conditions and what’s covered or not.

At Compare Insurance, we recommend shopping for travel insurance for over 70s one or two months before your trip. But, if you need last-minute travel insurance, you can use our tools and resources to compare quotes from different providers.

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Travel Insurance

What does travel insurance actually cover?

Travel insurance over 70 products vary from provider to provider. Therefore, the losses they cover are not always the same.

In this post, we take a look at what your policy might cover, and what it might not.

Cancellations

Travel insurance usually covers cancellations. Cancellations occur when you need to cancel some aspect of your trip, usually because of circumstances outside of your control.

Cancellations cover cancelled tour packages, aeroplane tickets, cruise fares, and hotel rooms. Mostly, they only apply if you cancel for qualifying reasons. For instance, they might cover cancellation costs if you lose your job, get sick, or can’t travel because of adverse weather.

Some travel insurance policies will cover you for any reason, though they tend to be more expensive.

Medical emergencies overseas

Travel insurance also usually covers the cost of medical care overseas. If you don’t have this cover, you may have to pay out-of-pocket. And, depending on where you go and the medical attention you require, that could be expensive.

Lost baggage

Travel insurance often covers lost, stolen, or damaged baggage as well as compensates for any delay in receiving your items.

Emergency evacuations

You may experience a health emergency while abroad. If so, evacuation coverage helps. This cover pays for emergency travel arrangements related to your medical care.

You can activate the emergency evacuation clause on your policy if your health deteriorates beyond a certain point, usually defined by local medical personnel. Coverage may include ambulance trips to the hospital, airlifts to better-equipped facilities, and flights back home.

Please note that evacuations can be exceptionally expensive – often reaching $50,000 or more.

Phone assistance

Travel arrangements and plans can go wrong while you are abroad. Because of this, many travel insurers offer 24/7 assistance, anywhere in the world. These services can help you if you need to get medical transportation, find your baggage, or locate a lost passport.

Additional coverage

Lastly, some groups of travellers require additional coverage to protect them against losses. For instance, if you are travelling to a dangerous part of the world, you may require life insurance. You may also benefit from hazardous sports cover which covers any medical costs you incur as a result of scuba diving or sailing accidents.

Find an insurance policy to suit your needs at Compare Insurance today.

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Travel Insurance

Travel insurance for a cruise holiday

If you’re thinking about going on a cruise this holiday season, you might want to consider purchasing cruise travel insurance. Why? While cruises are a great way to see and explore the world, they open you up to numerous vulnerabilities that can leave you injured, hurt, sick or even dead. Having annual worldwide travel insurance to fall back on when this happens gives you peace of mind at sea.

What is cruise travel insurance?

Cruise travel insurance is a type of cover that protects you from the things that might happen while you’re on a cruise, e.g., missed port stops. Simply put, it covers the specific risks and activities associated with a cruise trip, ensuring you don’t have to pay for expenses out-of-pocket.

Cruise travel insurance is typically classified as a specialist type of insurance as it covers you from situations that a standard policy won’t cover. As a result, it tends to be pricier than a regular cover. However, this doesn’t mean you can’t find an affordable policy.

What does cruise travel insurance cover?

The features of each cruise insurance policy vary by insurer, but a reliable policy should cover the following:

• Medical emergency expenses and medical repatriation
• Curtailment – cutting short your trip, e.g., from two months to one month
• Personal belongings
• Missed departure
• Cabin confinement – if the ship’s medical officer confines you to your cabin for health reasons
• Unused excursion – if you can’t use a pre-planned excursion

It’s vital to note that different providers have different guidelines for their policies. For instance, while some insurers might cover you for curtailment regardless of the reason for shortening your trip, others may only cover you if your trip is shortened due to medical reasons and family emergencies.

So, be sure to read in between the fine print to understand what situations warrant reimbursement and those that don’t.

How do I get affordable cruise travel insurance?

The best way to get affordable insurance is to compare policies from different providers. Luckily for you, at Compare Insurance, we have tools and resources that you can use to compare quotes from multiple insurers at a time.

Use our comparison tool today to get competitive pricing on cruise travel insurance.

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Travel Insurance

Factors that affect the type of travel insurance you’ll get

Are you thinking about purchasing corporate travel insurance? If so, it’s wise to choose a policy that best covers your particular circumstances to ensure you’re adequately protected. Failure to do so can result in you paying for expenses out of pocket. To help you get the right cover, here are four factors that affect the type of travel insurance you’ll get.

1. Who are you travelling with?

There are travel insurance policies for individuals, family, friends and groups. For instance, if you’re travelling alone, consider taking solo travel insurance. Alternatively, if you’re travelling with children, you’re better off buying a family policy.

Therefore, think about who you’re travelling with and buy the cover that protects both you and your travelling buddies.

2. How often do you go away?

When speaking to your potential insurer, they’ll ask you whether you’d like to purchase a single-trip or annual policy. The former covers you for one trip every year (365) days, while the latter covers multiple trips in a year.

If you only go on vacation once a year, it’s cheaper to buy a single-trip cover, but if you travel numerous times in a year, consider annual cover.

3. Where are you travelling to?

Generally, you’ll be able to choose between:

• Worldwide travel insurance – some worldwide policies exclude the USA, Canada and the Caribbean because of the higher medical costs, so look out for that.
• European travel insurance

It’s vital to remember that if you travel to a destination against the advice of FCDO, your policy is likely to be void.

4. Why you’re travelling

The purpose of your travel significantly affects the type of insurance coverage you get. For example, if you’re travelling for business, you need business travel insurance, as a standard policy won’t cover certain circumstances unique to your trip. If you’re travelling for leisure, then a standard policy is sufficient enough to cover any emergencies.

Compare different types of travel insurance

You can use Compare Insurance to compare travel insurance from different providers, including policies, what’s covered and what’s not and the costs of each policy. We make comparisons easy by listing insurers side by side.

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Travel Insurance

4 common backpacker travel insurance questions answered

If you’re thinking about purchasing backpacker travel insurance, you probably have numerous questions and concerns about what it covers and whether it’s worth consideration. To keep you informed, we’ve answered four commonly asked questions about backpacker travel insurance below.

1. What is backpacker insurance?

This type of cover is specially designed for individuals who plan to travel for longer periods, often to multiple destinations/countries in one trip. Unlike a standard travel insurance policy, backpacker insurance offers additional features and benefits, guaranteeing your backpacking itinerary is fully covered.

2. Why should I get a backpacker insurance policy?

If you’re planning to go away for several months at a time, you should consider purchasing backpacker travel insurance. Since it’s known as extended trip insurance, it’s sure to cover you on longer trips abroad.

A comprehensive backpacker insurance policy gives you peace of mind knowing that you’re covered if something happens to you, your possessions or plans.

3. What’s covered with backpacker travel insurance?

Backpacker travel insurance covers you against numerous travelling risks, emergencies and accidents, including:

• Lost or stolen baggage
• Trip cancellation
• Damage to personal items
• Medical costs
• Personal liability

Some policies can also include cover for winter sports and extreme sports, but it’s wise to get a separate policy for these two. All in all, always check your policy and read in between the fine print to see what’s covered and what’s not.

4. Can I get backpacker travel insurance with an existing condition?

Having a medical condition doesn’t mean you won’t find cover. It only means your premiums will be pricier as you have to buy add-ons.

So, if you have a pre-existing condition, tell your insurer about it so that they can advise you accordingly. If you lie about it, your policy will be deemed void when you get a medical emergency abroad that’s linked to your medical situation.

Comparing backpacker travel insurance quotes

Use our tools and resources here at Compare Insurance to compare single trip features, prices and policies from various providers. You can then choose a policy that works for you based on your budget, travel itinerary and what you’re doing.

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Travel Insurance

Travel insurance tips for solo travellers

Travelling alone is a great way to discover new opportunities and get time to yourself away from friends, family and other obligations. Unfortunately, solo travel presents a set of unique challenges that warrant a comprehensive solo axa schengen insurance to ensure your safety and security.

But, what exactly is solo travel insurance?

Picture this: You’re hiking on a mountain far away from home, and you lose gear or get injured. Without solo travel insurance, you’re responsible for this and anything else that goes wrong, which puts a dent in your pocket.

On the other hand, with the right policy, you can claim your expenses back, giving you peace of mind knowing you’re covered throughout your trip.

Tips for buying the right policy

Solo travel insurance can cover a wide variety of situations, from baggage loss to trip cancellation. However, not all policies cover the same emergencies or to the same degree, so you need to do your due diligence to ensure you get cover that meets your solo travelling needs.

To help you make the right decision, here are four tips for buying solo travel insurance.

1. Consider your activities

Will you go snorkelling, snowboarding, swimming or will you stay in your hotel basking by the poolside? Insurers may not cover certain activities because they’re high risk, and even if they do, you’ll have to pay more.

So, know what you’re going to do during your trip and be sure to ask your potential provider whether it’s covered in your policy.

2. Compare quotes

Never buy the first solo travel insurance policy that comes your way. You may not get the right cover for your needs, and you may be paying more than you have to. Instead, compare quotes from various providers and look at what’s covered and what’s not to make sure you get the best value for your money.

3. Why are you travelling?

Lastly, consider why you’re travelling. Is it for business, leisure, adventure or are you going on a backpacking experience? All these require different policies so that you’re covered throughout your trip.

Feel free to use our comparison tool to purchase solo travel insurance for children that suits your needs.

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Travel Insurance

Everything you need to know about specialist travel insurance

It’s no secret that having travel insurance is vital when travelling abroad as it provides you with a financial safety net against a myriad of risks. Unfortunately, at times, the standard travel insurance policy isn’t enough to protect you from accidents and emergencies. Here’s where specialist travel insurance comes in.

What is specialist travel insurance?

A specialist travel policy covers you from situations that a standard travel insurance policy doesn’t cover. It’s usually provided by dedicated insurers who offer tailored insurance solutions to meet the unique needs of a traveller.

Although specialist travel insurance can be expensive, it’s a worthwhile investment for people whose travel needs are unconventional, e.g., you have to travel against FCDO advice for business purposes.

When should I get specialist travel insurance?

Choosing between a standard travel insurance policy and a specialist cover can be difficult as you never really know the risks you’ll face on a trip. To give you an idea of when you might need it, we’ve compiled three situations below that warrant a specialist insurance policy.

1. You have pre-existing medical conditions

Insurers rarely cover pre-existing medical conditions as it places you at a higher risk of injury, illness and even death. But, with a specialist insurance policy, you’ll be covered for medical emergencies, even those related to COVID, giving you peace of mind if you’re travelling with a medical condition.

Just be sure to check what medical conditions your provider covers because there may be exclusions on certain diseases.

2. Extreme winter sports

If you plan to go heli-skiing, glacier climbing or perform any other dangerous winter sports that are deemed extreme and not standard, you’ll need specialist insurance. Due to the high-risk nature of these sports, your standard policy may not cover them, forcing you to pay for expenses out of pocket.

3. Travelling against FCDO advice

If you plan to travel to a country that’s red-listed (not government-approved), you need to buy specialist insurance to cover you against various risks, including theft, vandalism, medical emergencies and lost baggage.

Ready to find your ideal cover?

Use our tools and resources today to find the perfect specialist annual holiday insurance for your trip.

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Travel Insurance

4 travel insurance mistakes that could cost you a lot of money

If you’re planning a trip abroad, travel insurance is essential. Unfortunately, there are several pitfalls you’ll need to avoid falling into if you want to avoid problems later on.

Here are some of the key mistakes to avoid:

Not checking the small print.

Like any form of insurance, the small print matters. Many people pick out their travel insurance based on the big claims in the advertising campaigns… or worse, they go purely by price and just assume they are covered for everything!

Make sure you take the time and effort to check what is (or isn’t) covered by your plan. And, of course, if you have a pre-existing condition that you need cover for, make sure that it’s specified within the cover.

Make sure you’re covered in the event of Covid-19

In 2021, this is unavoidable. Will you be covered if a new Covid-19 breakout were to affect your holiday? Most people know to check this in terms of the holiday itself, but you need to do the same checks for your insurance.

Even nearly two years after the start of the pandemic, policies still vary as to what they’ll cover in the event of a Covid-19 problem. Some will just cover testing, but not treatment, while others cover neither. Some cover both.

It’s also worth remembering that some policies will change their Covid-19 cover depending on where you’re travelling to, so take this into account.

Get the date from before you travel

A lot of people understandably date their insurance from the day they arrive at their destination. This makes sense. Unfortunately, it can leave you liable if anything happens on the journey itself.

The last thing you want is to catch sickness of some kind, or injure yourself while on the way to your destination, and find you still have to pay up because your insurance doesn’t kick in until you arrive!

Be thorough with your documentation

There are two common reasons people are unable to claim on their travel insurance:

• They do not fill in their initial applications accurately
• They do not keep a record of all documents provided

If you are not completely honest and accurate when you initially apply for cover, it’s unlikely your claim will be paid. Be meticulous.

Once you have your cover, be sure to make copies of every document your chosen provider gives you and take them on your trip. Then, if you do have a medical issue and are treated, keep a full record of every document given to you by the healthcare provider.

Different insurers will ask to see different documents from your trip for verification, so keep everything. Even documents you wouldn’t expect to be important, such as your travel itinerary, could be requested. Don’t throw anything away!

For more insurance tips and advice, contact our single trip medical travel insurance experts today.

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