Travel insurance can vary a great deal between providers. This makes checking out several things before you buy travel insurance an absolute must.
Things you should check before you buy travel insurance
Here are the top five things you should be looking out for when you buy travel insurance:
- Limits on duration: checking how many consecutive days abroad you will be covered for is extremely important, as even exceeding the stated limit by a single day could invalidate your policy.
- Excluded destinations: ensuring that your destination is covered may seem odd, but there are some confusing variations between policies. Worldwide cover, for example, may not necessarily include Canada, the Caribbean or the US, and some providers may not include Turkey or Egypt under their European cover.
- Hazardous activities: making sure any activities you are planning to participate in are covered is vital. Some policies may exclude hazardous activities, while others may cover them for an additional payment. What is classed as a hazardous activity also varies between providers, and while extra winter sports cover may include skiing, it may not cover tobogganing.
- Claim limits: Make sure you have adequate cover and check out whether things like mobile phones are covered too, as this can again vary.
- Cancellations: to prevent losing all of your money if you have to cancel your trip for any reason is also recommended.
Detailed information on minimum cover and various other items you should be looking for when you buy travel insurance can be found at MoneySuperMarket.com.
The basics when you buy travel insurance
In essence, you need to ensure you are covered for the full duration of your trip and for all eventualities, including slips, trips and falls and other holiday accidents, as well as theft, loss of property, cancellations, missed flights, for example.
Slips and trips abroad
The reason we have highlighted slips, trips or falls besides other accidents on holiday is because these are the most common causes of injuries on holiday.
What’s more, a slip, trip or fall could easily result in a broken limb or a head injury, which could mean you would have to miss your flight. Broken limbs and head injuries are among the injuries you should not fly with at least for a few days after your accident abroad.
Whatever happened, whether you had a trip, slip or fall or another kind of accident while abroad, you could be eligible for personal injury compensation.
We can help you make a successful claim. Find out how by calling us now on 0800 689 0500, or on 0333 500 0993 from your mobile.
Date Published: August 1, 2016
Author: Accident Advice