Check you have the right travel insurance policy for your trip
Emergency medical costs should be at the top of your list. Your policy should cover :
- Treatment costs, including hospital charges and ambulance fees
- Returning you home after medical treatment abroad if you can’t use your original ticket
- Reasonable transport and/or accommodation expenses for a relative or friend to stay with you or help you home
- Temporary emergency dental treatment
- Access to 24 hour assistance helplines to offer support and advice about treatment !
- Remember, withholding details of your medical history may invalidate your policy
Get the right policy for you.
When choosing a policy, ask yourself:
- Would a multi or single-trip policy be more appropriate?
- If taking a longer trip, would a gap year or backpacker policy be more suitable?
- Am I travelling just within Europe, to the USA or elsewhere? (for Europe you’ll need your European Health Insurance Card too)
- Do I need additional cover for doing any sports or activities, or is my holiday a cruise?
- What is the value of the possessions I am taking?
- Am I travelling alone, or would a family or group policy be more suitable?
- What is the cost to me of cancellation?
Extras. It’s not just about medical cover.
Some policies may also insure you for:
- Lost or stolen money and passports
- Sports equipment
- Missed departure in certain circumstances
- Travel disruption or delay
- Personal liability cover for injuries to other people
- Personal accident
- Legal expenses
Shop around for the best deal, but never buy a policy based on price alone–the cheapest policy may not cover all of your needs.