Surprisingly, more than one in ten of us have travelled abroad without travel insurance, with almost a third of people claiming that this was due to a lack of organisation - leaving things too late to sort out.
So, we’ve pulled together a simple checklist to get you thinking about travel insurance in plenty of time, helping to curb any doubts you might have about which policy is right you.
The key components you’d expect from standard travel insurance include:
However, there are other elements that may not be included as part of a standard policy, for instance: wedding cover, cruise or golf equipment.
Make sure you’re not wide-awake worrying about whether you’ve got the right cover by double checking exactly what your travel insurance policy covers you for before you set off on your travels.
Prevent any nagging doubts about your policy being void should you need to make a claim by considering the following before you jet off:
You may take more luggage and expensive items for cruising holidays, especially if you’re going on a longer round-the-world trip. Taking out additional cruise cover usually means you’ll get a higher level of cover for luggage and high-value items.
It’s worth bearing in mind that cruise cover doesn’t come as standard for all travel insurance policies, so if you have any nagging doubts, it’s important that you double-check this before you set sail.
The average family travel insurance cover will typically cover two adults and up to four children (aged 18 years and under), but this can vary from insurer to insurer. Always double check the policy wording to avoid any restless nights worrying about whether you’re covered or not.
Some policies extend to grandparents, so it’s worth considering this as it could save you taking out separate policies and spending unnecessary money.
Annual multi-trip cover could be the best option for you if you know that you have several trips planned for the year.
Make sure you have peace of mind before you travel and check that all the countries you’re planning to visit are covered by the policy, as there may be some exclusions.
It’s worth noting that this type of cover often doesn’t include extras such as winter sports cover either, so you’ll need to take out additional cover for this.
Finally, insurers may also differ in terms of how many consecutive days they’ll provide cover for, so always check the small print of your policy first.