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Travel Insurance

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What is Travel Insurance?

Travel insurance can help cover medical expenses or financial losses you might incur while travelling.

What does a Single-Trip Policy cover?

Single-trip insurance covers a single holiday – so your insurance lasts until you return home.

These policies usually stipulate a maximum number of days that count as one trip.
Single-trip policies are ideal if you’re only making one trip in a year. But if you’re likely to make more than two trips in a year, then you may find taking out an annual policy is more cost-effective.

What does an Annual / Multi-Trip Policy cover?

Annual or multi-trip policies cover you for an entire year from the policy start date.
If you are a regular traveler, or you are planning a long haul holiday, an annual policy can often work out cheaper. Anyone who takes two or more trips a year may save money on their travel insurance if they choose an annual rather than a single trip policy.

What does Travel Insurance cover?

A basic Travel Insurance Policy should include the following levels of cover:

Cancellation & Curtailment

In case you have to cancel or cut short your holiday. The recommended limit is £3,000, or the total cost of your holiday. Always check the policy definition of ‘close’.

Cancellation & Curtailment

You should be compensated if your flight is delayed for longer than 12 hours. To avoid any problems in receiving this compensation ask the airline to confirm the delay in writing and keep any receipts of anything you have to purchase due to the delay.

Baggage & Belongings

The policy should pay out up to £1,500 if your luggage or personal possessions are lost, damaged or stolen.

Personal Liability

If you injure someone, perhaps on the ski slopes, or you damage their property, they could make a claim against you. It is therefore a good idea to have personal liability cover up to £1m.

Emergency Assistance

Many insurance companies offer a 24-hour emergency helpline, which can be a lifesaver, particularly if you are in a different time zone.

Medical Cover

You don’t want to end up with a big medical bill if you are taken ill or have an accident while on holiday. Most experts recommend £2m of medical cover if you are travelling abroad, which should include repatriation in case you need to be flown back to the UK.