Travel insurance

Article ID : 6
Created on 2007-06-19 at 12:42 PM
Author : Rahul Bhanot []

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As a nation we're usually well-prepared when we travel, but whilst most of us take out insurance before we travel, many of us don't read the policy- so we may not know what our cover is until it is too late

Travel insurance

Travel insurance pays out if you are sick or injured while on holiday, lose your Travel Insuranceluggage or are delayed at the airport. It also covers you if you have to cancel or cut short your holiday in certain situations. Anyone who's travelling abroad needs travel insurance, but remember to take it out as soon as you book your holiday, as many travel claims are for cancellation.

If you're travelling in Europe, don't just depend on reciprocal arrangements between EU countries for medical care. Although your medical bills may be covered if you pick up a form E111 from the post office, you won't be covered for the cost of getting home. Plus if you rely on your airline's compensation scheme if they lose your bags, the amount you'll get back is often low.

If you're taking a holiday in the UK, you may only need to take out insurance against cancellation. Your home contents insurance may cover you for loss of possessions, but always check first.
Make sure your cover is enough

If you have a gold credit card or a packaged current account, you may already have some free travel cover, but make sure the cover is enough, especially if you are going to the USA where medical costs are higher, or you are going to be skiing, snowboarding, diving or taking part in other 'hazardous activities'.

Shop around for your travel insurance - remember you don't have to take it out with your travel agent.

What does it cover?
Most travel insurance usually covers you for:
What's not covered?
Key pros and cons of travel insurance
Things to consider when taking out travel insurance:

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