26 Jun 2012 by Olga Brighton
The main reason for going on holiday is to get from it all and enjoy a well earned break. It is reassuring to know that you have decent travel insurance to look after you if things go wrong. Here’s a short guide to help you select pick the right type of cover.
Most policies are fine in you are just going to sit by the pool, but you will certainly need extra cover if you are going sky diving! But you should check your policy carefully if you are going to hire a moped or motorcycle, go scuba diving, bungee jumping, quad biking etc. Remember that in a fit of enthusiasm you might ride on a banana boat or hire a jet ski, so do check the small print or ask your travel insurer before you buy the policy.
Nobody wants to pay more than necessary, but price should not be your only consideration. There’s very little point in going for the cheapest cover if it doesn’t meet your needs. Ensure there is sufficient cover for medical expenses, personal liability, cancellation, baggage and cash cover. The Foreign and Commonwealth Office recommend a minimum of £2 million for medical expenses. You should also ensure that you are covered for personal liability and you should consider covering your baggage, passport, travel delay and missed departure.
Your travel insurance policy will only be valid if it covers your entire return trip from the date you leave home until the date you arrive home, you cannot insure just one part of a trip.
Don’t forget that if you have a pre-existing medical condition, you should check whether or not you need medical screening. If you are pregnant, check to see what you are covered for.
Many people like to have a relaxing drink and travel insurers understand this, however they do expend you to be sensible and take reasonable care for your own safety. You might find that you are uninsured if you had an accident because you were completely Brahms!