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.