Planning a trip? Check out my top tips for booking travel insurance and make sure you are adequately covered.
1. Never wait to get insured.
When you book your holiday, take out your travel insurance at the same time. You will immediately have cancellation cover. This means that in the event of an unforeseen incident like an illness or an injury, you are covered.
2. Choose your travel insurance provider wisely.
It is always a smart idea to shop around for most things and travel insurance is no different. This is especially true if you have a medical condition or are taking any medication. Some insurance providers don’t cover people who have a medical condition. It will be necessary to be pre-screened in some instances. This is generally a medical screening system, which asks more questions and therefore gives you a more tailored policy, taking the stress out of planning your getaway.
3. Don’t always go for the cheapest option.
Sometimes the cheapest options in travel insurance may have higher excesses, should you need to make a claim. Always compare like with like… That said I shopped around and I found Multitrip.com the best option, excellent for both price and cover!
4. Honesty is always the best policy!
Don’t purchase a policy that does not provide cover for your medical condition and hope for the best! It is vital that you disclose to your travel insurance provider that you have a medical condition or are taking medication. You should make full disclosure, even if you think it is of no consequence. If you are not completely honest regarding any illness/medical condition/medication, you may find yourself paying out thousands of Euro should something happen that is related to this illness.
5. You do need cover in Europe!
If you think that you don’t need travel insurance whilst travelling in Europe, think again! Many believe that the EHIC (European Health Insurance Card) provides adequate cover, it doesn’t. This card only gives you the right to access state-provided healthcare for medically necessary treatment, during a temporary stay in another European Economic Area (EEA) country or Switzerland. It is not a replacement or alternative for travel insurance. It will not repatriate you to your home country and provides no cover if you have lost baggage or you need to cancel your holiday. The other thing to consider is that the EHIC card is only for treatment on the same basis as a resident of that country. It is worth noting that in some countries, patients are expected to make a contribution to the medical costs incurred so you could be facing a large bill for services when you least expect it.
6. Make sure your policy has travel disruption cover.
It seems like every other week there is another pilot strike or air traffic control strike. No one could have foreseen the extent of flight disruption when 10 million people were stranded and 100,000 flights were cancelled due to the Icelandic ash cloud. When you book your holiday months in advance you never know what may happen. I always recommend that you add travel disruption cover to your policy (extra charge applies). You will be covered for additional expenses if your flight is cancelled or delayed for more than 12 hours. You can also claim back expenses due to flooding, strikes, earthquakes or if you are advised against travel to a specific country due to unrest. See more details on travel disruption cover here.
7. Make sure you can contact your insurance provider while away.
There is not much point in having all this wonderful travel insurance if you cannot get in touch with your provider in the event of an emergency. Pre-program the Emergency Assistance Service number into your phone so you will have it with you. Contact details for the Emergency Assistance Service can generally be found within the ‘Policy Wording’ section.
Regardless of where you are travelling to, don’t travel without travel insurance. At the time of issue Multitrip.com were offering annual multi trip travel insurance cover from €15.95. Visit their website or call 0818 44 44 44.