Are you appropriately covered?

27th May 2015

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.

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