cheap travel insurance blog

Cheap travel insurance basics

By Mw-z webmaster 1 comments 7:11 PM

No one wants to think about what could go wrong and a great travel insurance policy means that you dont have to think too long about it. But the reality is, when youre in unusual places, youre far more vulnerable to encountering bumps in the road such as cancellations, illnesses and lost or stolen possessions.

Put simply, a travel insurance policy provides a financial safety net, so that if things do go wrong youre not going to be slapped with a massive bill that will at best eat into your travel budget or at worst sacrifice your entire vacation and the money already spent on it.

What Kind Of Policy Do You Need?

Typically there are 3 types of travel insurance policies available for you to pick from:

Single Trip - protects 1 vacation of up to 87 days making it the perfect choice for one off holidays or weekends away

Annual Multi Trip - protects an unlimited number of trips for one year, each vacation consisting of a maximum duration of 45 days. This option is ideal if you travel often as it can often work out cheaper than buying several single vacation policies. Whats more, you can be nip off at the slip of a hat knowing youre covered

Backpacker - protects up to 2 years of continuous travel and is designed specifically for people on gap years, career breaks and travelling the world on an elongated vacation. It also has the added benefit of covering many work and volunteer activities as well as an unexpected trip house

What Should A Good Travel Insurance Policy Include?

Doing a fast internet search it can be hard to see the wood for the trees! To help you know what to see for, under are some of the basic situations you desire to make definite youve got covered.

Medical Emergencies: Being covered for medical expenses is probably the most important element of your policy. Unlike the UK, most countries do not have a free health service similar to the NHS, so you could locate yourself facing a medical bill for thousands of pounds if you fall sick or have an accident abroad. Do not underestimate the costs of hospital bills! You desire to be able to focus on getting better than worrying about if you can afford the treatment.

Lost or Stolen Possessions: You may not have a lot of stuff with you, but the bits you do have will no doubt be critical to your trip such as your passport, mobile, tablet or money for example. Losing these or having them stolen will be not only annoying, but could seriously create a dent in your carefully organised budget if youre forced to cough up to replace the goods.

Cancellation: Should you fall sick and can no longer go away upon your trip or something happens that means you need to cut your trip short your insurance policy will help you recover the costs youve already paid. Having to tell goodbye to your trip would be hard enough, but saying goodbye to the money as well is avoidable.

Add Extra Cover

You can customise your policy further with pre-existing medical condition lid, sports and a number of other specialist add-ons.

Do You Need to Declare a Medical Condition?

If you have a pre-existing medical condition its necessary that you declare it or you could invalidate your entire policy. Insurers dont like to think that youve hidden things from them and you may be amazed to find out that many common medical conditions such as allergies can be added without any additional cost. Whats more, you even have the option to declare a condition but then exclude it from your policy. What this means is that youve told your insurer about your condition but decided not to lid it, so you will be covered medically for all unrelated to that condition.

Do You Need Extra Sports or Specialist Cover?

A decent policy will include lid for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like scuba diving or winter sports, the more likely it is that you will need to buy additional sports insurance or specialist add-ons.

Pre-Existing Medical Conditions

Specialist lid can be added to your policy in minutes via a secure insurance company easy Online Medical Screening system.

Enter your condition into the crate under:

Hazardous Sports and activities

If you desire to play sport upon holiday, make positive you do so safely by adding the correct sports grade to your policy.

100+ sports are covered at no extra cost upon a secure insurance company policies!