As with many other insurances there are a wide range of types of Travel Insurance cover for you to consider and below are some of the main factors you should think of before you purchase.
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There are several different types of policy available and you should consider what your travel habits and arrangements are going to be so you can purchase the right policy for you.
- single trip cover
- annual cover
- long stay cover
"We can advise you on the varying costs and options available"
Make sure you have the correct policy to cover your destination, most policies exclude certain areas. Obviously the premium you pay will depend on where you are going and for how long.
Some optional additional cover can be available if you need it
- winter sports
"Ask us if you need this additional protection"
Check any pre existing medical conditions are covered
Cancellation due to pre existing conditions - will you be covered
Sports - check that anything you propose to do is covered
Pregnancy can affect the cover you have - make sure you are covered to travel
Check the individual cover limits are sufficient for your circumstances
Claims may be declined if taking unprescribed drugs or while under the influence of alcohol
Check the conditions of the policy as to where valuables should be kept in order for a claim to be valid
Remember that insurers will not provide cover if you are travelling to a country where the foreign and commonwealth have advised against travelling.
Finally, cost is not always an indication of the quality of cover - check you have what you need before you buy.