Holidaying in the summer is the most popular time of year for it, and so, we often see the biggest spike in travel insurance claims during this time. Whether it’s cancelled flights, lost luggage, inadequate accommodation, stolen belongings, or illness, there will be a type of travel insurance that is just right for you.
Let’s take a look at four tips:
Filling out your form, you’ll notice that you must declare any health conditions you have that may afflict you during your trip. So you may be surprised to learn that activities of this nature have their own insurance cover! This is because extreme activities such as jet skiing or skydiving pose high health risk and, should an accident occur, may result in hefty medical bills that regular insurance just won’t cover. So if you are planning to partake in any extreme sports during your trip, be sure to cover your trip accordingly with the right type of insurance.
Single, Couple, Or Family Cover
If you are travelling alone, you need a different type of insurance than if you are travelling with a partner or with family. Single insurance covers only problems, cancellations or emergencies that pertain to you, the individual. If you have travel insurance that covers medical emergencies, for example, but your child doesn’t and falls ill during your trip, you cannot “use” your own insurance to cover your child’s medical treatment. Always select the appropriate cover for the number of people on the trip.
Single Trip Vs Ongoing Cover
When you fill out your insurance form, it’s important that you specify the length of the duration of your trip, and if you will be making multiple trips. This will help narrow down the insurance type that is appropriate for you. If you are planning a two-week trip abroad, for example, then a single trip cover should be sufficient. However, if you are planning multiple trips to the same destination within the next, for example, six months then (all other factors unchanged) ongoing cover may be a better option, rather than forking out for single trip cover every single time.
Finally, medical questions are given weight on your application form for good reason – if you fall ill while on holiday and you require medical attention, you will likely need to be covered by insurance. It’s vital that you include any and all medical conditions that you have, even if you think they won’t be relevant. For example, if you have a peanut allergy but carry an EpiPen and are careful to avoid peanuts, you must still list this on your form because accidents can always happen.
Get In Touch
Remember to fill out your travel insurance document thoroughly, disclosing all medical conditions – even if they are well-managed and haven’t bothered you in years, such as asthma or diabetes. If you need to claim on your insurance and you haven’t disclosed something key beforehand, your insurance may be voided.
If you’d like to learn more about travel insurance and how it can benefit you or which one is perfect for your holiday cover in 2023, just get in touch by filling out our contact form here. We will be happy to take you through all of your choices.
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