Friday, June 28, 2013

The Travel Insurance Essentials

August 31, 2012 by  
Filed under Travel Guide

Travel Insurance is an imperative aspect of any trip abroad, I think in today’s society we all understand the importance of being covered against all possible eventualities before we depart and whilst we are away. Insurance is no longer viewed as negatively as it was in the days when travel agents were apprehensive about the topic in fear of losing a sale, I would say it is viewed as part of our holiday experience now, not a negative additional expense.

But what exactly makes up the ideal global travel insurance package? Well ultimately it depends on the type of trip you are going on; travel insurance companies have adapted and evolved as the types of holidays we go on have become more varied. Specific packages are available to cover for things such as backpacker holidays, extreme sports, group insurance, business travel insurance, elderly travel and many more. So list of extras to your travel insurance package could be endless but there are certain aspects that I would consider essential for all forms of travel and would only ever purchase cover that incorporated them:

Cancellation and Curtailment – Cover if for whatever reason you need to cut short or cancel your holiday. You would normally expect cover to be in the region of £3,000 or the total cost of your trip.

Delay – Cover if your flight is delayed any longer than 12 hours.

Baggage and Belongings – Around £1,500 cover against loss, damage or theft of luggage or personal belongings. Special items such as cameras, laptops, iPads etc can be covered additionally and you will also normally find cover included for theft of cash for which a claim can be made up to a certain amount.

Emergency Assistance – Any major insurance company will usually include a 24 hour emergency helpline which could be vital if you are in a new location in a different time zone.

Personal Liability – Cover against you accidentally injuring someone or damaging their property.

Medical Expenses and Repatriation – Cover for emergency medical treatment and returning you home. Perhaps the most important reason for travel insurance, cover can range from £2m to £10m.

When it comes to any form of travel insurance it is vitally important to check the small print, there could be certain situations where you may reasonably expect the insurance to pay out but you could be left seriously disappointed. Check all information and definitions thoroughly to make sure you understand exactly what you are covered for, you can find out more at AVI International. Travel insurance ensures peace of mind whilst you are away and prevents particular situations becoming a nightmare and ruining our holidays, be sensible and get covered!

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