Travel insurance is often a nightmare and at times, it can be a maze of options that all seem unclear. This blog will help you to understand the dos and don’ts of travel insurance, making sure that you have the protection that is right for you!

Dead Fish of Death on the Vacation Beach
Dos and Donts of Travel InsuranceepSos.de / Foter / CC BY

Here are some areas you should consider every time you buy insurance:

  • Price: This is one of the most obvious elements of travel insurance to consider. You wouldn’t pay over the odds for your holiday, so why should you pay over the odds for your insurance? Any comparison website will help provide you with quotes. It is always best to sit down and analyse these quotes before deciding what is best for you. The most expensive isn’t always the best!
  • Range of Cover: Always be sure of exactly what your insurance does and does not cover. For advice on exactly what form of travel insurance you need, consult Home Office guidelines. As well as this, be sure to have a look at exactly what activities your insurance covers. Often, on cheaper or less expensive options, some activities will not be covered. If you plan on renting jet-skis or going on excursions then always make sure that these are listed under the activities allowed section. This should be clearly displayed before you pay for your insurance.
  • Fine Print: Again, this may sound basic but always check the fine print. It is likely that you will still have to pay a level of excess if you claim. Make sure that this is an amount that suits you, and if it doesn’t then look for other options. The financial ombudsman has a list of common complaints on their website- always consult this to see if you’re covered for all of these reasons. Spending the extra time now could save you a lot of time in the future.
  • Any Existing Illnesses You Have: Most travel insurers do not cover pre-exiting illnesses, particularly long term illnesses such as cancer. If you suffer from such an illness, or anything similar, then try searching for specific insurance that covers the illness, such as the insurance offered by Able 2 Travel.

If you consider all of these areas then you can go on holiday with peace of mind, knowing that you are covered for every eventuality. Don’t let poor or misled travel insurance ruin your trip!