If you are going on holiday– or even having a mini break somewhere – travel insurance is a must. Guideline number one is – get travel insurance coverage!
The second guideline is to shop around for it. Lots of people buy their travel insurance coverage as part of their holiday package, not realising that they can most likely get a cheaper policy– with the very same and even much better level of cover– somewhere else.
You are not obliged to buy travel insurance from your travel company– there are lots of online specialist websites (such as www.protection-insurance.com or www.uk-travel-insurance-online.co.uk) that have quick and simple access to online quotes and can save you up to 50 % on premiums!
Holidaymakers need to also be aware that you are not fully safeguarded by the Financial Services Authority (FSA) when buying standalone travel insurance cover from High Street travel agents such as Thomas Cook and Thomson. For that reason, utilizing among the many FSA signed up online centers will give you peace of mind that the policy stands.
The third and last rule of buying travel insurance is to understand different levels of travel cover that are offered– for instance, gold, silver and bronze. When comparing the cost of travel insurance coverage, it is important you compare like with want to guarantee you get the ideal level of cover at the ideal cost.
… And if you are still uncertain of the value of travel insurance. Check out on …
Bernie P (40), an avid skier passionate London never really valued actually importance of travel insurance, seeing it as a ‘formality’ procedure arranging holidays. A near fatal skiing mishap in March last year brought it house to him, with medical facility and repatriation expenses totalling over ₤ 45,000.
His travel insurance coverage covered all the medical and transport costs both in Austria (that included being airlifted off the Alps, two weeks spent in a coma in health center and treatment for 10 broken ribs, a ruptured spleen, a collapsed lung and a smashed hip joint). The policy also kept spending for additional operations when he was back in the UK, consisting of a hip re-build operation.
Over a year on, Bernie is 99 % fit and has actually simply returned from a skiing vacation. He states: “Without the travel insurance policy, I wouldn’t be as healthy and well as I am today. I got the very best in medical treatment without the concern of footing the bill”.
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