Insurance

Travel Insurance assumes particular importance while travelling abroad simply because of the number of risks that it covers.
Typically, a Travel Insurance policy covers medical risks, travel risks, and also flight disruptions.
If you’re wondering why Travel Insurance is necessary, this checklist provides a few insights​

Travel insurance can give you extra protection if your holiday doesn’t go as planned.
So, you should make sure you have cover if you’re planning a trip away.
It’s particularly important to take out travel insurance if you are travelling independently because you may find yourself stranded with no way to get home and no-one to help sort out your holiday problem.

• travel insurance is essential, particularly if you are travelling independently

• choose a policy that covers your needs

• compare policies on the cover they offer as well as the cost

• check if you have other insurance that will cover you away from home

Why take out travel insurance?
Travel insurance can protect you against the following things going wrong:

•  cancelling or cutting short your trip for reasons beyond your control

• missed transport or delayed departure for reasons beyond your control

• medical and other emergencies

• personal injury and death

• lost, stolen or damaged items, including baggage, passports and money

• accidental damage or injury caused by you.

• If you don’t have travel insurance you will have to pay out of your own pocket to deal with a problem while you’re away. Or you may lose money if you have to cancel a trip and can’t get your money back.

Before you buy holiday insurance
It’s important to get the right type of cover for your needs. Think about:

• where you’re travelling to. For example, if you’re travelling to the United States, you will need extra medical cover

• how old you are. Travel insurance can cost more if you’re over 65. There are special policies for older travellers which may be worth looking at

• how often you travel. If you go away several times a year, it may be better to buy an annual travel policy rather than several single-trip policies

• what you’ll be doing while you’re away. You may need extra cover if you’re taking part in dangerous sports, such as skiing or scuba diving

• whether you’re travelling independently or on a package holiday. Package holidays usually offer you greater protection if things go wrong with transport or accommodation so you may not need to make a claim on your travel insurance

• how you’re travelling. Cruises and budget airline flights may not be covered by some insurance policies.

What cover should travel insurance include?
Your travel insurance should always include the following cover:

• medical expenses and cover for getting you home if you’re injured or fall ill abroad

• personal injury and cover for accidents or damage caused by you

• cover for lost or damaged items

• cover for lost or delayed baggage

• cover for cancellation or missed departure.

If you are still wondering why get Travel Insurance, then consider the risks that a Travel Insurance policy covers. The exhaustive coverage protects you against different types of risks and keeps you covered during your travels.