TravelinsuranceKit.info

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By: hvfilms

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When we go on holiday we intend to switch off and forget the stresses of working life, the last thing we want to be doing is fretting over little things like travel insurance, passport issues and other details. Whilst it is a pain to have to plan out your trip and organize all the details travel insurance has proved to be a minefield where if you slip up once your cover will be blown.

One of the main stumbling point people have with regards to travel insurance is cover provided by your credit card supplier. Chances are if you’ve used your credit card abroad you may have received a call or a block on your card because it has been used in a foreign country, this is obviously a good security measure since credit card fraud is a big problem these days and it is a good sign that the credit card company are keeping a watchful eye over your spending.

But the problem people have been having is over the confusion whether travel insurance covers spending abroad. According to the UK trade association for payments, Apacs, the overseas credit card protection offered by the Consumer Credit Act is not travel insurance as some travellers have found that travelling without proper travel insurance can prove costly.

There are plenty more instances where you’ll need travel insurance whilst away on holiday, for instance if you are injured or need medical attention. Medical costs are the number one pay out that Travel insurers deal with, invariably it’s for people who are injured skiing or people who need repatriating or moving to more advanced hospitals.

The other main reason people have to claim on their insurance is that they have had to cancel their holiday due to emergencies or illness; holidaymakers stand to lose a lot of their money invested in their holiday if they cancel and travel insurance can help ease the blow of losing your week or two in the sun. In most cases this money goes towards hotels bookings and flight costs, something you don’t want to have to pay if you aren’t going on holiday.

Many companies offer cheap travel insurance in light of the rise in the frequency of holidays we take these days. Cheaper flights have provoked more people to travel more and so travel insurers have encouraged holiday makers to make sure their holidays go smoothly and cover themselves for all likely mishaps and expenses.



By: Andy Adams

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Travel insurance can be quite flexible, covering you for every eventuality imaginable, or just for the barest minimum. One thing for sure though, if you travel you must have it.

One decision to make before anything else is whether to buy a single trip policy or an annual policy which covers you for multiple trips a year. The latter could pay for itself if you hop over to Europe just three times in the year. It’s easy. Once a year you arrange cover and then you don’t have to think about it every time you go away.

If you are lucky enough to be able to decide on a weekend in Paris on the spur of the moment, and maybe another in Madrid six weeks later, you should definitely go for an annual policy.

Then the next question: are you just going to Europe, or further afield, like to the States or the other side of the world? The price for Europe only will be a lot cheaper.

Whichever you choose, check the policy details carefully so you know what exactly you are covered for, and what is excluded. And whether they replace lost belongings on a ‘new for old’ basis.

You are usually covered for loss or theft of luggage and personal possessions. But check the limit and make sure you are covered for 1,500 pounds at least. You may be surprised at the cost of replacing everything in your suitcase, not to mention the case itself.

Travel insurance usually limits cover for the amount of cash stolen so check the policy. And not that travellers’ cheques are often regarded as cash under their terms.

On top of that, consider covering specific items like photographic equipment or jewellry for example. You can put a value of between 200 and 500 pounds on those sorts of things.

One thing that is easy to break or to lose altogether on holiday is your specs, or your brand new sunglasses. Make certain the full cost, bar the policy excess, is claimable if necessary.

But above all else, travel insurance gives you peace of mind in the event of a medical problem or emergency. Be upfront with the insurer if you have any existing medical conditions which might preclude you from taking out the policy. There are insurers around which will cover certain medical problems.

As regards healthcare in Europe, if you have the new European Health Insurance Card, which took the place of the E 111, you might have your excess waived if you need treatment whilst over there.

It’s really annoying if you have to cancel or cut short a holiday due to illness, or the death of a close family member. The right travel insurance policy will help soften the blow by paying compensation if that happens.

Last but not least, most travel agents will offer you travel insurance when you are signing up for one of their deals. It will very likely cost a lot more than some of the deals you can find on the internet, so decline politely and shop around.



By: Sheila Challiner

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