of travel insurance
the advent of cheaper flights, bargain travel and cruise options, more
and more people have the opportunity to travel abroad these days. However,
one thing to bear in mind while taking these marvelous jaunts is the necessity
of having the proper travel insurance cover.
not thinking negatively about what can happen on holiday, cover is essential
just in case crime, accidents or bad health should hit you while you are
away, thereby ruining your holiday and making you short of cash when you
arrive back home. Navigator
Travel Insurance offer a good deal to cover every possible scenario
you are on the deck of a lovely cruise ship, GoPro in hand and filming
the dolphins. You accidentally drop the darn thing overboard, and
while it may send back some fascinating underwater footage for a while,
thatís it, itís gone. Let's face it, you arenít going to dive overboard
to get it back.
another scenario, you might be sitting on a public bench is a rather more
dodgy area of a foreign city, using some handy WiFi, when something distracts
you. You turn your head, and when you turn back, your laptop is gone.
Looking down the street, all you can see is the wily robberís dust as he
easily escapes with your valuables.
sure you have the right cover if this happens, although admittedly theft
of this nature, or loss of luggage as in the poor lady above, is often
covered by your household policy, so do check to see if it is to avoid
being double-covered, and maybe save a little money.
people love travelling to experience the extreme adventure sports available
all over the world.
jumping comes to mind, or climbing Mount Everest, riding the wild white
water or diving with the Great White Shark.
sure your insurance broker knows what you are planning to get up to while
you are away to ensure you have adequate cover for your risky adrenaline-filled
CC BY-NC-ND 2.0 Ben
a more serious note, medical emergencies can crop up at the very worst
moment. While we donít like to think that accidents or health issues can
happen when on holiday, it is wise to think ahead. If you are a European
resident, travelling within the EU, you can apply for an EHIC (European
Health Insurance Card), which will enable you to receive the local, state-funded
medical treatment in the country of your choice.
bear in mind, however, that this card is no alternative to the normal travel
insurance cover and is not of use when it comes to the posher, private
healthcare facilities. However, if you have any pre-existing medical conditions,
it is a good idea to let your broker know. Some travel insurance companies
may levy a small premium for cover relating to particular medical conditions,
but it is best to be honest. If travelling in Europe with an EHIC,
your broker may waive this excess, allowing you complete peace of mind.
thinking of saving some money on your travel insurance, there are several
options. For instance, if you travel a lot during the year it is
worthwhile to take out annual cover. This policy is not only more affordable
than single trip options but it also takes the hassle out of planning future
trips during the year.
do bear in mind that annual policies only cover holidays lasting up to
a maximum of 31 days each, so if you are planning on backpacking the world,
this might not be the option for you. If you have to stick to individual
trip policies, they can be expensive, but just like you do with your holiday
itself, always shop around to get the best offer. Your travel agent or
airline might not give the best deal and often going with the specialists
is much more affordable.
thing to bear in mind is whether you are travelling single or with the
whole family or a group of friends. There is the option of buying joint
cover for the whole group, which will definitely save you all some money.
ahead and shop around is the order of the day when you are off on your
travels to ensure that you have peace of mind, safety and security at a
price you can afford. Have a great trip!
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