There are a lot of misconceptions related to travel insurance, and understandably most people aren’t as well versed in the fine details of this type of cover as I am – I can’t say that I blame them! However, many misconceptions put people at risk of spending unnecessary amounts of money on areas that could and should be covered their policy.
So, I’ve compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about what they should look for.
Q: What should I do before going abroad?
A: Make sure you have checked the FCO Travel Advice for the countries you are visiting. Check you have sufficient money and that your passport is up-to-date. Take a photocopy of your passport details and keep in a safe place. Check what inoculations and visas are required. Note down the numbers and addresses of the UK embassy and consulate in the country you’re travelling to.
Q: Should I take out travel insurance before my holiday?
A: I may be a little biased on this one, but yes! It is extremely important that you take out adequate travel insurance even for short trips or visits to Europe, and absolutely imperative in countries outside the EU where different conditions make illness more likely and affordable bajatraveler cover that bit more difficult to get hold of. It also covers for cancellation as soon as you book your trip.
If you travel to a country, or part of a country, against FCO advice, it is unlikely that your insurer would meet any claim, however. Should the FCO advice change after you have booked a holiday, check the position with your tour operator and travel insurance company.
Q: Should I be looking at single trip or annual multi trip travel insurance?
A: Only you can answer that really – although single trip is (generally) cheaper, it does exactly what it says and covers you for just the one trip. By contrast, annual multi trip travel insurance will cover you for the whole year on various breaks, making it the choice if you think you’re likely to travel that much. You may find that just taking two trips a year would make annual multi trip travel insurance cheaper than the single trip variety!