What to think about with travel insurance

By MoneyhighStreet Staff. Published on April 9, 2008 This post currently has no comments.

Palm trees on the beach

What can go wrong on holiday shouldn't be on your mind when you're out there on the beach, bathing in the sun and relaxing properly for the first time in a year. However, for peace of mind, it's good to know that should anything go wrong, you have the right insurance. You can purchase this from travel agents, usually at the same as you book the holiday itself, which feels fairly seamless and easy, but they may offer one- size- fits all – type of package, which could exclude you from being covered for the specifics of your holiday.

To tailor travel insurance to your trip, try browsing some quotes online. The good thing about booking your travel insurance this way is that the websites are thorough and not only do they summarise their policies, but provide key facts and you can flit from one package to another until you find one that works for your trip. By going to a travel agent to book your holiday, you run the risk of not being asked the right questions by them and losing out on vital policy information. It is important that are informed about what the policy covers, and then what exclusions there are.

To substitute for an in-person evaluation, most online insurance companies provide an attentive online summary for each policy, which helps to direct you to the best package for you. If you look at Go Travel, for example, you'll find a range of travel insurance deals that can be tailored to your needs. Within the sports travel insurance section, you can buy from adventure, water sports, scuba diving, and mountaineering insurance, which are clearly all specific to a particular holiday. When it comes to these more adventurous types of holidays, it is vital to have the right cover. If you went rock climbing with just standard insurance and you got injured, then you may find your claims to be invalid.

It's also worth considering how many holidays you take throughout the year, because there are simpler ways of sorting out your insurance so you don't have to re-purchase it every time you go away. An Annual-Trip allows you to go on numerous trips, for a fixed period of days each time, which is pretty handy if you enjoy those weekend breaks or plan on taking business trips. If you want to compare notes, have a look on the AA Travel Insurance website for a few more quotes and more travel insurance packages.

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