05 May 2015
With the variety of online insurance policies available, it has never been quicker to find a travel insurance policy and it is easy to assume that they all similar - but they are not - so it is important that you check and choose the right travel insurance policy for you. You don’t want to find out while you away that you haven’t got the cover, or help that you need. So ‘the best’ travel policy is the one that meets your particular requirements – but here are some general tips for things to look out for:
When searching for the best travel insurance, make sure they offer a sensible limit on medical expenses. Most companies provide at least £100,000, while others offer £1,000,000. Globelink policies provide up to £10,000,000 for medical expenses, which is a good level of cover for this essential part of your policy. When a simple overseas doctor visit for infected mosquito bites can cost over £100 and hospital treatment several thousands of pounds, this is not something to cut corners on. Check that you are also covered for repatriation and that there is an emergency assistance helpline that you can call for help.
Medical costs may be the top reason why travelers make claims, but there is a whole variety of mishaps that can dampen your travels. When looking for the best travel insurance policy, make sure that you are covered for:
You should also be aware of what is not covered by your policy. Most travel insurance policies do not cover injuries sustained whilst participating in certain adventure activities unless an extra premium is paid, or unless they have listed them as being covered as standard.
Furthermore, some insurers will not cover pre-existing medical conditions, so it is critical that you check (and ensure that you comply with) any pre-existing medical declaration requirements - otherwise you may not be covered if you need to make a medical claim.
It may be worth paying an additional premium to get the full cover and peace of mind you need.
So, does the best travel insurance exist? Yes of course it does – but “best” will vary for all of us so check carefully to find a policy that suits you. Consider where you are travelling to, your age, your medical history, the activities you will enjoy, the luggage you will take – and then select the right cover for you.
Recall if you have any pre-existing conditions, think of adventure activities you might engage in on you trip, and consider paying an extra for whichever additional cover you may need. Choose the insurance plan that suits you, your travel style and you finances, than tailor the policy up to your needs and you will get the best travel insurance you could ever find.