When holidays abroad go wrong, ruined by a theft or, worse still, an accident on holiday, it is in itself distressing. If you then find that your holiday insurance does not cover whatever is causing your distress, things can get really upsetting and frustrating.
When holidays abroad go wrong
The whole reason for taking out travel insurance is, after all, to make sure you are covered for all emergencies in case holidays abroad go wrong. Unfortunately, what is covered by insurance companies can vary significantly.
To spare yourself a whole lot of frustration when your holidays abroad go wrong, it is therefore highly recommended to check every last bit of small print on your policy before taking that trip.
Things to check for
Some of the things to look out for while checking the fine print include, for example:
- How many consecutive days the policy will cover: even a single day over the stated limit could mean a claim will not be paid out on
- Whether your destination is covered: some companies exclude Egypt and Turkey from their European policies, for instance, and the Caribbean, Canada and the USA are not necessarily covered by all worldwide policies
- What activities are covered: most companies will list a variety of activities, from extreme sports to simply riding a little scooter, which they will not cover
In addition, you should check whether cancelled or missed flights, through no fault on your part, are covered just in case any holidays abroad go wrong.
Having checked all this, you also need to ensure you take the necessary precautions to avoid taking the blame when holidays abroad go wrong. This includes:
- Declaring any existing medical conditions, as failing to do so could void a policy
- Avoiding consumption of excessive alcohol and non-prescription drugs
- Taking reasonable care of your belongings; never taking more cash than you need to, not flashing cameras, jewellery or other valuable in public
- Looking out for potential hazards to prevent slips, trips and falls
- Not taking unnecessary risks when participating in activities by using reputable operators, checking that safety equipment and procedures are in place in good working order
- Being aware of and abiding by local laws and customs
When something does go wrong
If someone else causes an accident abroad and you are injured on holiday through no fault of your own, you should be able to claim for travel accident compensation.
We, Accident Advice Helpline, can help you get the compensation you are entitled to. Contact us on 0800 689 0500, or 0333 500 0993 from your mobile, to learn more about personal injury claims.
Date Published: August 1, 2016
Author: Accident Advice