Your travel insurance policy can cover a range of things and you must know what you need before you pack your suitcase. So what are the bare essentials and what counts as an extra option when it comes to travel insurance?
The one main thing for which you should be covered is cancellation. This is if either the flights or accommodation have to be cancelled, or anything else that you have paid for in advance. You will be compensated if either you or the airliner cancels your holiday and this induces terrorist threats, government warnings, jury duty, and weather. Strikes and other airline complications are also included.
Your health can also be covered by travel insurance and this is particularly useful if you should fall ill whilst on holiday, or need medical treatment in a foreign country. This is not always included with the same policy as your cancellation coverage and thus you may have to purchase this separately. You need to look very closely at the geographical factor here and make sure you understand the healthcare system in the country you are visiting.
These are the very bare essentials that you will need on your holiday but you may have to purchase additional cover depending on the type of holiday. If you have the intention of playing any kind of sport or dangerous activity, you will need cover for this. If you injure yourself playing sport on holiday, this may not be covered by your healthcare insurance.
If your holiday is going to be longer than 90 days, you will have to take out additional cover too. However, I would advise making sure you only get the cover you need since you will have to pay for what your policy covers you for. It you don’t need it then don’t buy it and make sure your policy reflects what you want and nothing else.
These are the bare essentials of travel insurance but make sure you are covered for your specific holiday since there is no one size fits all insurance policy.
