Going on holiday? Booking your Travel Insurance is always a good idea – but first, take the time to consider what you actually need cover for with this handy checklist. Depending on your needs, you may realise that the cheapest deal is not necessarily the best fit for you.
The right destination
It may sound obvious, but have you checked whether your Travel Insurance is valid for your destination? This is just one of the many reasons why understanding the small print is so crucial.
How much medical cover do you need?
Not all Insurance policies are created equal: some would only cover you for accidents while others include a broad range of medical problems. Once again, the fine print holds the key and – if in doubt – don’t hesitate to contact us. We can help you select the cover for your needs.
What about your valuables?
An expensive camera, nice clothes or a new tablet – if you’re taking expensive items with you around the world, protecting them makes sense. Check out the detail of your Insurance policy to ensure that your baggage and personal belongings will be covered by the right amounts. Also remember, a cheaper policy may indicate a lower rate of payout in the event of bags being lost, damaged or stolen.
Planning anything exciting?
If adventurous and extreme activities are on your to-do list, it would be wise to seek expert advice and get the right policy for your needs. Most Travel Insurance policies assume that you will be acting ‘responsibly’ while on the go – which means you may not be covered for accidents occurred when you were engaging in riskier behaviours.
What’s not included?
Besides the odd exception, certain exclusions apply to all Insurance policies, so take time to get your head around these to avoid disappointment. Once again, if you’re not sure what your policy (or prospective policy) entails, we’d be happy to talk you through your options.
Booking Travel Insurance is an important step in planning a great holiday. But not just any Travel Insurance – one that’s tailored to your needs and budget.
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