Going on a travelling adventure can be an action-packed experience. It’s still a vacation though, and should therefore be relaxing and hassle free. However, this is not always the case, and things can potentially go wrong.
This is why having a comprehensive travel insurance policy before you leave home is absolutely essential. Without cover, you could find yourself out of pocket or stuck in a tricky situation with no easy solution evident. So here are the top reasons why travel insurance is so important.
Under certain circumstances, you may need to cancel a trip abroad or cut your foreign excursion short. Not all insurance policies will cover every eventuality, so check the minor details with your provider.
Legitimate reasons to cancel include accident, illness, family bereavement, jury service, an emergency at home and redundancy.
It is advisable to buy a policy that will refund you the full cost of your trip as well as covering pre-paid expenses and the cost of getting home.
Even though we benefit from a free national health service in the UK, this privilege does not extend to abroad. Therefore, if for any reason you need to visit the doctor or hospital while abroad, you may be liable for the cost.
However, with a European Health Insurance Card (EHIC) you could get treatment or medical attention at a reduced rate or even for free. Available from the NHS, the card covers pre-existing medical conditions, routine maternity care and is valid in all European Economic Area (EEA) countries, including Switzerland.
Personal liability cover
If you’ve caused injury to another person or damaged a building or property, a travel insurance policy can include personal liability cover.
In all instances, record the facts as soon as possible through a statement and photographs, collect the name, contact details and witness reports from other parties, and get in touch with your insurance company. However, you should never openly accept responsibility.
Lost or stolen possessions
It’s a horrible feeling when you arrive at baggage claim but your suitcase is nowhere to be seen. You may be eligible for an emergency payment to buy clothes and toiletries with a good travel insurance policy.
As a tourist with lots of cash, you will also be an easy target for thieves and pickpockets. Your home contents insurance may provide some sort of protection abroad, but it is advisable to take out specific cover for travelling.
Peace of mind
Even though all of the aforementioned incidents are rare, having a comprehensive travel insurance policy will eliminate any worries or concerns.
Going on holiday or travelling abroad is usually a big expense, which has probably taken you months to save up for. For just a little bit of extra money, you can be sure that nothing will ruin your time away.