The prospect of things going wrong while on holiday isn’t something many of us want to contemplate.
But when you’re booking a summer getaway it’s important to make sure you’re adequately covered, should the worst happen.
After all, a holiday is often among the biggest ‘one-off’ expenses of the year.
Kelly Whittington, travel claims director at Aviva, says travel insurance can give people “valuable peace of mind”.
She explains that the range of potential travel insurance claims “could involve an accident or an illness while abroad, which requires medical assistance, theft of personal possessions while overseas, or an incident before the break, which means a holidaymaker needs to cancel their trip, such as an injury or a bereavement”.
Here are some tips from Ms Whittington on the travel insurance pitfalls to avoid when considering travel cover:
1. Leaving it until the last minute
“Crucially, people should buy travel cover as soon as they book their holiday,” says Ms Whittington.
“This means that if they need to cancel their holiday because of an unforeseen event, such as an illness or injury, their insurer should cover any costs that can’t be recovered elsewhere.
“If someone plans to buy their insurance at the airport, they won’t be covered if an emergency happens two weeks before their departure date.”
2. Not checking the small print
Ms Whittington says that, for example, holidaymakers planning to go scuba diving or engage in other sports should check that they would be covered under their policy.
She adds: “Similarly, people should check that their cover is valid for their destination country. Most insurers will offer either worldwide or European travel insurance, which provides cover in certain parts of the globe.
“Worldwide policies can include USA, Canada and the Caribbean, although most will stipulate the countries it covers.
“The same goes for European insurance policies, which can vary from provider to provider. Checking your policy documents will only take a few minutes, but could save you thousands of pounds in the event you need to make a claim and your policy doesn’t cover your destination country.”
3. Not disclosing medical conditions
Holidaymakers should also tell their insurer about their medical history – and any health changes that occur between them purchasing cover and travelling, says Ms Whittington.
“This allows the insurer to appropriately assess the medical risks each customer poses, along with any other risks, in order to provide cover at a fair price,” she says.
Finding affordable cover can be tougher for people with a history of significant medical conditions – but it’s not impossible.
A quick online search should yield some quick options, and also check out CHOICE’s guide here.
4. Not shopping around
In addition to Ms Whittington’s tips, make sure you compare quotes from a selection of providers, to find the best deal to suit your needs.
How do you find the right travel policy? Why not share your experience in the comments section below?
