Tips to combat travel insurance doubts


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.

Know what you’re covered for

The key components you’d expect from standard travel insurance include:

  • Emergency medical expenses – in case you need to see a doctor or visit a hospital while you’re on holiday
  • Cover for cancellations and curtailment – if you have to cancel or shorten your trip, this covers you for any unused travel and accommodation costs you have paid for
  • Missed departure – covers the cost of additional accommodation and travel expenses if you miss your flight, boat or train due to situations outside of your control e.g. public transport delays
  • Travel disruption / delays - covers you in the event of strikes, airline failures and missed connections
  • Baggage damage or loss - covers your baggage if it is lost, stolen, damaged or destroyed

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.

Holiday suitcase

If you’re over 65 and/or have a pre-existing medical condition

Prevent any nagging doubts about your policy being void should you need to make a claim by considering the following before you jet off:

  • Always tell your insurer about a pre-existing medical condition before purchasing travel insurance as you may need additional cover for conditions such as diabetes and heart disease
  • Make sure you answer all questions about your health honestly and flag everything, even if you think it’s not important
  • Not all insurers will cover you if you’re over 65, so you may have to spend more time shopping around to find the right cover

If you’re going on a cruise

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.

Flip flops on beach

If you’re going abroad with the family

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.

Multi-trip travel insurance

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.

Find out more about Travel Insurance from Swinton

  • Travel Insurancecaters for a range of holiday needs, including single trips and annual policies.

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