The end of the year is prime holiday season for many people. While special emphasis is placed on having enough finances and a preferred holiday destination, travel insurance should be a priority for holiday travellers. Travel insurance covers unexpected travel events such as medical emergencies, trip cancellation, personal effects, lost, stolen or damaged luggage, etc. Here are some essential tips which will prove helpful in securing your travel insurance.

Annual or single trip cover

When searching for the best travel insurance policy you should have a basic idea of your travel habits and plans in advance in order to choose the right policy. If you know you are going to travel several times within in a year, an annual travel insurance policy (multi-trip policy) covers all your trips and can be far more cost effective.

Activities

Travel insurance policies may exclude cover for dangerous or extreme activities, such as Quad Biking, Rock Climbing, Skiing, Snowboarding, team sports played in competitive contests, etc. Most extreme activities require an additional premium. It is also important to note that most dangerous activities may be classified as general exclusions in most policies. Take time to check and disclose what holiday activities you plan to do.

Medical conditions and age

Many policies, particularly the cheapest, will not insure anyone aged over 65, however fit and active. Most standard policies will also not cover any pre-existing conditions. So, for example, if you are asthmatic and suffer an attack on holiday that requires medical treatment, your policy will not pay out. Tell your insurer about any ongoing medical conditions and answer questions honestly.

By Caxton Central

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