Going on holiday is supposed to be a fun experience, but it can be very stressful! In the lead up to flying off to somewhere warm and exciting there is so much that needs to be done; check the passports, make sure vaccinations are up to date, sort out the pets and find someone to watch over the house. All are easy to overlook, but one area that must not be treated casually is that of travel insurance.
Getting the right travel insurance deal is about understanding what the policy offers; this is why it is essential that you do not just buy the first one that you are offered. There are questions that need to be asked, so we have put together a list of the things you should be looking for:
- Cancellation and Curtailment: this is important, as you do not want to lose all your money in the event you are forced to cancel. Make sure you have the cancellation clauses fully explained, and understand the exceptions. Do not simply read the small print, ask searching questions.
- Delays: there is every reason why you should expect recompense if you are delayed for more than, say, 12 hours; make sure the airline confirms their policy in writing before you leave.
- Baggage and belongings: be careful to understand the financial limits imposed by most insurance policies on loss of baggage and belongings. Be particularly aware of the limits applied to theft of cash, as these can be very low indeed.
- Personal liability: this is an essential part of the cover, especially for action holidays such as winter sports. Talk to your insurer about this in detail.
- Emergency assistance: another vital clause, make sure you discuss this and have reliable 24hour cover at all times.
- Medical cover: perhaps the most worrying of all aspects of foreign travel is this, and you need to make sure that you are well covered for treatment and consultation in the country you are visiting. You should also ensure that the cover included repatriation as you made need to be transported back home.
If this all seems a little complex you could take advice and help from a specialist travel insurance company such as www.erv.co.uk; they offer a wide variety of insurance policies covering most destinations, including specialist ski holiday cover. Making sure you have the right insurance for your holiday gives you added peace of mind, and allows you to enjoy your well-earned break to the full.
