Travel insurance policies may cover you in many different ways, including, for example, compensating you for:
- Cancelled or delayed flights
- Lost luggage
- Stolen valuables
- Emergency treatments in hospital, such as after a slip, trip or fall or a diving or skiing accident, for example
- Medical evacuation, return to the UK, also often referred to as emergency repatriation
What exactly travel insurance covers depends on the:
- Insurance company
- Type of policy: different types of policy include single or annual multi-trip, worldwide, European or specific country-related, winter sports, backpackers and over-65s, as well as family or group policies
- Duration of your trip
- Activities you plan to engage in
Your age and whether you are travelling alone or with others also make a difference.
Best type of travel insurance
What constitutes the best type of travel insurance basically depends on where you are planning to go, who you are travelling with and what your plans are once at your chosen destination.
In general, it can, however, be safely said that the best policies are those that offer comprehensive cover for medical treatment and emergency repatriation, cancellation, loss of luggage, theft and public liability, as well as offering the option to add ‘bolt-ons’ for extra cover in specific areas not covered by the standard policy.
Considering all this, shopping around and reading all small print very carefully is extremely important if you wish to ensure you have adequate cover.
When something goes wrong
Even the best of insurance policies and companies require you to provide evidence that injuries by slips, trips and falls, diving accidents or indeed any other kind of accident on holiday were not your own fault before paying out on a claim.
If, for instance, you were injured by slipping or tripping, you will need to show that your slip or trip was not caused by your own excessive alcohol consumption, but by someone else’s failure to remove or adequately mark a trip or slip hazard in spite of being aware of the hazard, and having ample time to deal with it.
Accident Advice Helpline
We, a law firm specialising in travel accident claims, can assist you in gathering all necessary evidence and support you throughout the whole process of claiming for compensation on a no-win, no-fee* basis.
Discover how by calling our 24/7 freephone helpline from your mobile on 0333 500 0993, or 0800 689 0500 from your landline, now.
Date Published: August 1, 2016
Author: Accident Advice