The summer holiday season has arrived which means it’s time to dust off your flip-flops, buy your annual bottle of sun cream and pack your suitcase before heading for beautiful holiday destinations all over the world. Whilst holidays are a time to relax and have some well-earned fun, ensuring you and your family are covered by sufficient travel insurance is of paramount importance to make your holiday one to remember for all the right reasons.
You’ve read the stories that so often appear in the newspapers; you know the ones about the uninsured teenage lad who falls off his quad bike on a busy street in Crete. What seemed like harmless fun soon became a disaster as he realised he would be left with more than just a few broken bones when stuck in a Greek hospital. Without travel insurance you are required to pay whatever is asked of you for hospital treatment abroad.
Britain’s National Health Service is often taken for granted; especially when it is considered that many countries across the world don’t have free hospital treatment. With this in mind, holiday insurance is essential to help you avoid extortionate hospital costs if someone in your group has an accident abroad.After all, crippling debt caused by an excessive hospital bill received whilst abroad is far from a desirable souvenir to bring home.
Ensuring you choose the most appropriate insurance policy for you and your family is vital in order to protect you against all possible eventualities whilst abroad this summer. Here are some useful tips to ensure you and your family are sufficiently insured:
Compare policies as well as prices
When shopping around for travel insurance, compare the policies of the travel insurance rather than just focusing solely on the price. This is incredibly important because although many travel insurance policies are tempting in terms of their low price, often cheaper insurance offer lower levels of cover. Ultimately, you get what you pay for.
Avoid Travel Insurance Offered By Your Holiday Provider
Whilst it is tempting to take the easy option and buy insurance from your holiday provider when booking your holiday, by shopping around for a cheaper deal, you could potentially save cash. This means you will have more money for those Sangrias!
Avoid Extortionate Excess Charges
This is the main problem travellers face when on holiday. Although you may have sufficient travel insurance, some policies include incredibly high excess charges. Most policies will require an excess charge of around £30-£50 to make a claim but it is not uncommon for some policies to carry excess charges of over £200.
Purchase Holiday Insurance As Soon As You Have Booked Your Trip
If you do this, and you have chosen the right policy you will be covered if for any reason your holiday is suddenly cancelled (think Icelandic volcanoes…). With this in mind, holiday cancellation cover should be a priority when comparing policies.
By following these helpful tips when shopping around for your travel insurance, you will be able to relax on holiday safe in the knowledge that you are covered by a sufficient travel insurance policy. With peace of mind, you can spend less time stressing and more time enjoying your well-earned break this summer. Happy holidays!
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