Your Holiday Checklist: Travel Insurance

beachWhy reading the small print can pay off when it comes to travel insurance 

Fresh from the festive cheer of Christmas and the New Year, the chilly months that follow can often seem a bit bleak. With short days and the cold Blighty weather dampening your spirits there’s nothing more exciting than planning your next trip abroad with family or friends. However, one aspect which can be a challenge as you get older, if you’ve suffered from a chronic illness or have a pre-existing medical condition, is finding the right travel insurance policy. Whilst there’s an abundance of information available to you at the click of a button, sometimes it can be hard to get the best quote to suit your personal needs.

“Most people thankfully enjoy their holidays without a glitch, but there is always a risk that something might happen and this is where having the right travel insurance can really make a difference,” says Neil Muldoon, operations director of specialist travel insurance broker, Insurance Choice. “It’s important to check the small print as there is nothing more frustrating than realising that a policy is inadequate as medical bills abroad can become very expensive. That is why having specialist cover is even more important as we get older.”

What can you do?

  1. Find a specialist

It may be tempting to pop down to the high street for your insurance but they might not have the expertise to assist you if you have certain medical requirements which you would like included.

  1. Do your research

Depending on which country you travel to, it may have an impact on the cost of cover so doing some investigation before you decide on your destination will help you to budget for your holiday. For instance visiting ‘high risk’ countries such as the USA, Caribbean or the Canary Islands will be more expensive compared to ‘low risk’ countries such as France and Italy.

  1. Keep it short

If you are planning a longer holiday, keeping the duration under 31 days (inclusive of the days of travel) helps keep the premium down as most insurers are able to offer a quote for this period so it is likely to be more competitive.

  1. Try before you buy

Once you have decided on your destination, it may also be beneficial to get a quote for your travel insurance before you book the holiday to make sure that it ticks all the boxes. Once you’ve found the right holiday and cover for you, the fun and planning can really begin!

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