Travel Insurance – Why you need it

There’s no alternative to travel insurance

Some people travel without insurance under the illusion that the local British Embassy or High Commission will take care of them in an emergency. This may be true in the first instance, but you will still be sent the bill at the finish of it all. This has to be the case, or no one would ever bother to take out travel insurance, leaving the government to carryover the giant cost.

Another often held belief is that the EHIC will cover you when you holiday in Europe. This may be true for definite medical expenses, such as hospital charges etc, but it won't cover repatriation in case you are seriously ill, or in the event of your death overseas.


Basically, travel insurance is an absolute must wherever you’re travelling to.

plenty of holiday companies and several banks and credit cards offer free travel insurance, and for the average traveller on the average package holiday, this will probably provide adequate cover. However, it’s important you check that your owner covers your personal circumstances and everything you expect to do while you are away. Things to check for include:

What to look for in travel insurance

Sports activities beyond basic holiday pastimes
Any unsafe ‘thrill’ activities such as paragliding or bungee leaping
Skiing, off-piste skiing, skating, and snowboarding
Driving or riding a motorbike or moped

As a general rule, you get what you pay for, and free policies are unlikely to be as comprehensive as a bespoke owner. when you think about the cost of a helicopter rescue from an off piste ski run, for example, you will soon see that a tiny saving on insurance could be a pricey bet.

you ought to make definite your travel insurance includes at least £2million for medical expenses in Europe and at least £5million for the remainder of the world. Without this cover you may find that hospitals overseas will basically refuse to treat you.

Other considerations

You must be definite your traven insurance owner covers you in case you have any preexisting medical conditions, such as heart issues, cancer, or similar illnesses. plenty of policies will include treatment for these for an additional fee if they’re declared in advance, but won't pay for treatment in case you do not tell them. you ought to also tell your insurer if your health changes between purchasing your owner and going away. Most insurers will cover travel for pregnant females, but again, you ought to tell them when you buy your owner.

Most travel insurance policies won't cover you for incidents and accidents caused by excessive drinking or drugs. No-one expects you to stay sober all holiday, but in case you go far you risk leaving yourself without cover when you need it most.

what is not covered?

Most policies will also exclude terrorist assaults. If you’re in any doubt as to the security of the area you’re travelling to, check with the Foreign and Commonwealth Office before you make your trip.

The whole point of a holiday is to relax and enjoy yourself, so why add the stress of worrying about your health and welfare while you are away? Travelling without insurance is giant a bet to risk to save a few pounds on the cost of your holiday.

What Does Travel Insurance Cover?

When ready to travel can offer travel insurance. Many people do not, simply because they do not know what it is. The insurance is to cover all medical expenses or any financial loss or otherwise, as the money invested in a non-refundable. This insurance is for those who travel in their own country or those who travel abroad.

At the time of your reservation, you can purchase a travel insurance to cover your exact duration of your trip or you can buy from a travel agent, Travel Agency insurance provider or travel as a tour operator or a cruise line for a more complete and continuous. The travel provider policies are not as comprehensive as a travel agent, so be careful when you choose.

You can take any trip to buy travel insurance could be business, travel and education, adventure and leisure and travel abroad for this purpose. Each policy can have different coverage in terms of a policy to adjust each passenger.

Delayed trip, trip cancellation, emergency evacuation, accident and disability, accidental death, overseas funeral expenses, limiting the damage, theft or loss of personal belongings, travel documents or money, legal assistance, liability for damages to rental cars, replacement of essential items because the items lost or delayed baggage, medical expenses and housing are more common to find in most travel insurance policies.

The difference will be large, from one policy to another according to the supplier or the purchase of the company. The amount of coverage is obvious that the price so that each policy can be customized to suit every traveler. You can find a travel insurance that covers additional travel costs.

You will be given the opportunity to purchase a separate travel insurance policy for regional pre-existing diseases like diabetes or asthma, and sports that are considered high or dangerous as skiing, scuba diving and parasailing. You can also buy a separate policy for passengers traveling to countries where they are at high risk of natural disasters, terrorism, or the status of prisoners of war.

There is coverage of topics that are excluded from basic health insurance. Your typical policy usually exclude travel to countries at war or terrorist threats with a pre-existing health condition or injury or illness caused by alcohol or drugs. Travel to war and terrorist threat countries may still be covered by separate policy by most travel insurance companies.

the travel insurance policies usually cover all expenses if pregnancy occurs during the voyage of the first trimester of pregnancy. Coverage may vary from quarter to quarter depending on company policy regarding travel during pregnancy.

Travel insurance policies generally cover all expenses if pregnancy occurs while underway in the first trimester of pregnancy. Coverage can vary from one quarter to another, according to corporate policy regarding travel during pregnancy.