• International Insurance Blog

  • Friday, February 23, 2018

Travel insurance can cover you for a range of problems when travelling abroad, from the catastrophic to the merely inconvenient. When you buy a holiday or a flight, you’ll almost certainly be offered travel insurance to go with it. It’s all too easy to say yes to this travel insurance, and add the cost to the bill, but you’re probably better off shopping around and taking out a travel insurance policy independently.

You need to decide if you should take out a travel insurance policy that will cover you just for one holiday, or take out an annual travel insurance policy that will cover you for all the trips you take (within limits) for a whole year. You don’t have to be a very frequent holidaymaker to save with an annual travel insurance policy – for example, an adult travelling within Europe would need to take only three holidays in a year to make a multi-trip travel insurance policy worthwhile.
Travel insurance normally covers you if your baggage and belongings are lost, stolen or damaged – up to a certain limit. As well as an overall limit, travel insurance policies have a limit on individual valuable items such as digital cameras and laptops. Some travel insurance policies won’t pay for the cost of buying new spectacles if they are stolen or damaged while you are away.

Since September 11, 2001, many are looking to travel insurance to safeguard their trip against any unforeseen terrorist attacks at their destination. Many policies now have an “Acts of Terrorism” clause that will reimburse you if you miss or are delayed in getting to our origination or ending destination because of acts of terrorism.

If you’re an adventure traveler who has paid $3,000 up front for a white water rapids package deal in a remote area of South America and you won’t receive any refund if you cancel, then you might want to consider both trip cancellation and emergency medical evacuation insurance. So before you say YES to any travel insurance take a couple of minutes to ensure a smooth trip with a good travel insurance policy.

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