Travel Insurance

Travel Advice Tips & Hints
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Travel Insurance

Travel Insurance


  • Don't risk travelling without travel insurance - it could cost you a lot more in the long run.

  • Arrange travel insurance as soon as you book your trip, this will ensure that you are covered for cancellation and curtailment.

  • Is the insurance company a member of any governing bodies or ombudsman?

  • Does the insurance company have a claims charter?

  • Check the levels of excess on the insurance.

  • It is important to be covered for medical expenses, personal accident, personal liability, cancellation and curtailment of the trip, money/documents and baggage. Other areas of cover usually include delay, missed departure, loss of passport, legal expenses and assistance services.

  • Your country of residence may have a reciprocal health arrangement with the country you are travelling to. If so, it may provide cover for emergency medical treatment, however, the full cost of treatment is unlikely to be covered and you may have to pay a large percentage of the final medical bill. Remember, this is not a substitute for proper travel insurance cover.

  • Always declare pre-existing medical conditions and any hazardous activities/sports you may be undertaking. Failure to do so could mean that you are not covered if something goes wrong. This is important for any kind of trip e.g. business, winter sports or summer holiday.

  • Make sure your insurance covers the full length of your trip.

  • Is the cancellation cover provided enough to cover the cost of your trip?

  • Check that any expensive items you are taking away (e.g. video camera, jewellery) are covered either by your travel insurance or some other form of insurance e.g. home contents.

  • Danger Zones - are you covered if you cross into a country considered to be high risk?

  • If you go away three or more times a year, investigate the benefits offered by annual insurance cover . It will probably work out cheaper than buying several single trip insurances.

  • If buying annual insurance cover, is the maximum trip duration enough for your needs?

  • Read the small print and ensure that the insurance suits your requirements.