Travel insurance is all about covering you for the unexpected, whether you’re cruising around the world, visiting your relatives in Australia or leisurely wandering through Europe’s capital cities.
1. What does it cover you for?
It ought to cover you for emergency medical treatment and repatriation, sudden cancellation or delayed transport, or being forced to cut your trip short. It should also cover you for lost, stolen or damaged baggage, though it is best to check if you want to name any specific valuables. Bear in mind that your age and medical history can often raise the premium significantly.
2. Do you need specialist cover?
Depending on where you’re going and what you’re doing, you may need to get additional cover – for example dangerous sports or activities, or travel to riskier destinations. Some insurers specialise in cover for older travellers, for example those that regularly take cruises. Telegraph Travel Insurance offers cover for people of all ages.* Remember to tell your insurer if you have any pre-existing medical conditions – if not, you won’t be covered for treatment abroad if you get ill for that reason.
3. How often do you plan on travelling, and where?
If you travel a lot, annual, multi-trip cover can be the cheapest option, though think about whether you need worldwide or European cover. If you’re planning several months away at a time, long-stay insurance may be better.
4. Look at the small print
Cast your eyes over the detail; how do you submit a claim? How long does it take? Levels of cover and excess policies will vary. What happens if you have to cancel before you even leave? Getting your travel insurance as soon as you’ve got your travel confirmed can ensure you’re covered in case you need to make cancellations or amendments before you go.
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