Forgetting to take out travel insurance or simply deciding you don’t need it could be the biggest mistake of your life. Credit card, home and European Health insurance, even combined, will not be able to provide you with adequate help if things were to go really wrong.
The real cost when things go wrong
An emergency abroad could result in your financial ruin. If you need to be returned to the UK it could cost you thousands of pounds, unless you are adequately insured. The following figures were taken from the Foreign and Commonwealth office website:
£35-45,000 - air ambulance from USA’s East coast £12-16,000 - air ambulance from the Canary Islands £15-20,000 - scheduled flight, stretcher and Doctor escort from Australia
The British Embassy or High Commission will not pay for this and it is not included under your European Health Insurance.
Your travel insurance should definitely cover:
- medical and health cover for an injury or sudden illness abroad - 24 hour emergency service and assistance - personal liability cover in case you’re sued for causing injury or damaging property lost and stolen possessions cover - cancellation and curtailment (cutting short your trip) cover - extra cover for activities that are commonly excluded from standard policies, such as jet skiing.
The policy should cover the whole time that you’re away.
Your policy may also have: -personal accident cover -legal expenses cover -financial protection if your airline goes bankrupt before or during your trip.
Many insurers will extend cover if you ask them. If not, shop around for a specialist policy.
Always check the conditions and exclusions of your policy; it in this section that policies between companies vary the most.
Investigating travel insurance online is the easiest way to compare the different policies that are on offer. As a starting point, head to the AA Travel Insurance website, Go Travel Insurance or 1stop Travel Insurance, all of which offer comprehensive travel insurance policies.
![[Valid RSS feed]](http://articlepile.com/images/icon_Rss.png "XML Feed For RSS"){kind=icon}
Category Rss Feed
Print This Article
Add To Favorites