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Travel Insurance Travel Advice
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Page 1 of 2 Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance, or UK medical insurance cover is sufficient.The real cost when things go wrong An emergency abroad can be extremely expensive. If you need to be returned to the UK it could cost you thousands of pounds, unless you are adequately insured: * £35-45,000 - air ambulance from USA’s East coast * £12-16,000 - air ambulance from the Canary Islands * £15-20,000 - scheduled flight, stretcher and Doctor escort from Australia Figures supplied by FirstAssist Services Ltd. Remember: the British Embassy or High Commission will not pay for this. What should my travel insurance policy cover * medical and health cover for an injury or sudden illness abroad – more infomation on medical and health cover * 24 hour emergency service and assistance * personal liability cover in case you’re sued for causing injury or damaging property * lost and stolen possessions cover * cancellation and curtailment (cutting short your trip) cover * extra cover for activities that are commonly excluded from standard policies, such as jet skiing. The policy should cover the whole time that you’re away. Your policy may also have: * personal accident cover * legal expenses cover * financial protection if your airline goes bankrupt before or during your trip. Many insurers will extend cover if you ask them. If not, ask us for a specialist policy. Always check the conditions and exclusions of your policy: * most policies will not cover drink or drug-related incidents * you must take reasonable care of your possessions or your policy will not cover you. Cancelling or cutting a trip short A good insurance policy will cover you for cancelling or cutting a trip short. Check carefully to see exactly what you’re covered for: * accident * illness * pregnancy (unknown when you buy the policy) * jury service or witness summons * home emergency: fire, storm or flood, burglary * redundancy * strikes * bad weather – affects the departure of flights and ships. Ensure your policy: * will refund the full cost of your holiday * pays out if you need to cancel or cut short a trip because you fall ill for example * covers pre-paid expenses such as excursions * covers extra costs incurred to get home |
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| Last Updated ( Friday, 09 October 2009 ) | ||||
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