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Choosing the Best Travel Insurance Policy

There are some things that you should never leave to chance when you are planning a break away, and in this guide, we are taking a look at exactly what you should be looking for from any travel insurance you do take out.

It can often be the case that people will tend to use a price comparison website to select the cheapest policy available, however there are lots of pitfalls if you do that, for the cover you may get from your low-cost travel insurance policy may not be covering you for certain things.

With that in mind please read on and use this guide as a sort of checklist in regards to what you should be demanding from any travel insurance policy you do decide to take out.

Travel Disruption – The first thing you should make sure that your travel insurance policy covers you for is any type of travel disruption, including when you are on the way to the airport or port if you are going away on a cruise for example.

You will find many policies do not cover you for this aspect of your holiday but it is something you really do need to be covered for just in case.

Personal Possessions – A theft can occur at any time and that is something that you do also need to be aware of, and you should ensure that any policy you do take out covers you from the minute you leave your home.

It is not only having things stolen you should ensure that your policy covers you for, as you may lose or misplace your holiday cash, passport or even your suitcase, so make sure that all of your own personal possessions including money, passport and any valuables are covered.

One tip which is worth knowing is to take a picture of everything you are taking with you on holiday and keep the picture or pictures at home, just in case anything does go missing you will have a record of what was in your case and any additional high valued possessions too.

Medical Cover – Many UK based holiday makers who are going on holiday on a trip within the European Union will be pinning their hopes on the fact that their EHIC card will cover them should they have any type of accident or illness on their holiday.

However, that card will only cover you for your basic medical needs and as such you should ensure that you have sufficient cover on your insurance for you and your entire party. The more cover you can get the better as you need to be looking for a policy that covers you for millions of pounds in cover, more so if you are travelling to countries such as the US. The US is notorious for having inexplicably high medical costs, in part due to the private healthcare system that they use.

Terrorist Cover – With some parts of the world being very dangerous then another thing you should be looking to be covered for is any type of terrorist attack in the country or countries you are visiting. In general, you must be using travel advisories in order to avoid these types of high risk countries in the first place, however sadly with terrorist attacks in Europe this coverage is becoming more and more necessary in countries that have a reputation for safety.

Look to take your holiday cover out as soon you book your holiday and make sure you are covered for anything that may happen by way of terrorist attack before or during your holiday, for you could have your holiday cancelled at the last minute if there is such an attack in the run up to your holiday and you will not want to lose out financially if that holiday is cancelled.

Dangerous Sports Cover – The whole idea of a holiday is that you will be wanting to take it easy, relax and sometimes try out things that you may never have tried before. That is why you should also ensure that you are covered for anything that could be classed as a dangerous sport whilst you are on your holiday.

Doing things such as jet skiing or paragliding is something that many people will fancy doing on their holiday, but if you have not told your travel insurance company that you may be planning on doing things like that then if an accident does occur you will find you may not be covered for that accident.

Cancellation Cover – As many people like to plan their holidays months in advance and pay for those holidays months in advance too you should check your insurance policy has adequate cover for you having to cancel your holiday for a range of different things.

If you do have adequate cover just in case for example one of your party becomes ill, or there is some other reason why you cannot take your holiday such as a death in the family or one of the party should die then you will get the entire cost of your holiday returned.

Places to Buy Your Travel Insurance

Now we have taken a look at some of the more important things you should ensure you are covered for when taking out a travel insurance policy we shall now take a quick look at where you should be buying your insurance from.

Many people prefer the personal touch of booking a holiday directly with a local travel agent, however when they then try and sell you an insurance policy you will often find they are overpriced and may not be offering you are much value as you could have hoped for.

Possibly the best way you can secure the ideal travel insurance policy for you is via a price comparison website as mentioned above, however make sure that the website you are using is going to allow you to input a large range of your own personal requirements into the quotation page.

That way you will be 100% guaranteed of knowing that all of the different things you want additional cover for are indeed covered by that policy. You may also find your bank or building society gives you a free travel insurance policy if you have a packaged account or even a credit card from them, however do check you are covered for everything via those policies before you book and then go on your holiday.