Travel Insurance
How Many Excesses Does It Take To Make A Travel Insurance
Policy? by Simon Christopher
No one likes to think that bad things will happen while
you're on holiday, but it becomes a reality for lots of
travelers every year.
The right travel insurance policy can reduce the impact that
injuries, illnesses, delays and lost property have on your
precious holiday time. Finding the right travel insurance
policy, unfortunately, is not as easy as ticking off the box
next to "Do you want travel insurance?" at the travel agent.
In fact, that could be the most expensive cover with the
least benefits. According to Direct Line insurance, buying
your travel insurance through your travel agent could cost
you up to five times as much as you'd pay if you take the
time to research and buy your own travel insurance policy.
Doing that requires a little knowledge beforehand though.
It's important to understand the types of medical situations
that are typically covered by a holiday travel plan, and
which tricks to watch out for that could leave you without
the cover when you need it most. Here's a quick guide to
what to watch for when you're comparing holiday travel
insurance.
1. Watch the excess.
Excess is the amount that you must pay before your travel
insurance kicks in and picks up the remainder of the cost.
On the typical travel insurance policy, there's an excess of
£50 which is often counted against each incident. A few
count an overall excess - they might require that you pay
the first £150 of all insurable expenses on the trip no
matter how many incidents are involved. This can be a vital
difference. If, for instance, you stumble and fall, breaking
a leg - and your expensive digital camera, along with your
eyeglasses - some insurers may count that as three separate
incidents, and charge you an excess for each of them,
although they all stemmed from the same incident.
Solution: Consider getting a policy with an overall excess.
2. Watch the cover.
Read through the policy carefully so that you can be sure
that the most important items are covered. Many policies
don't cover you for the most common losses and injuries
while you're on holiday. For instance, nearly all policies
exclude injuries that happen while engaging in "winter
sports".
Solution: If you're going on a skiing holiday, go over the
policy, and if necessary, take out specific "winter sports
cover" because it's better to be safe than sorry.
3. Cover your baggage.
Your baggage should be insured for at least £1,500, but keep
in mind that many items you commonly carry may not be
covered. It's typical for baggage insurance to exclude cover
for sunglasses, mobile phones, cameras, watches, baby
buggies and other expensive pieces of equipment. It's also
typical for insurers to set an upper limit for how much
they'll pay toward the loss of any one item. If your upper
limit is £75 and you lose your £800 laptop, you'll be out of
luck.
Solution: Look at getting separate cover for any expensive
items that you plan to take with you.
4. Cover your pre-existing conditions.
If you have pre-existing medical conditions that flare up
while you're abroad, you may find yourself responsible for
all expenses related to them. Pre-existing conditions are
also the most common reason for travel insurers to reject
your policy. If you have a condition like angina or high
blood pressure, a history of heart problems or diabetes, you
might be wise to look into travel cover that takes those
conditions into account and will cover you regardless. You
may pay a bit extra for the premium and have a higher
excess, but the peace of mind will be worth it.
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