Check what’s included
- When choosing your travel insurance, it's good to ensure that the policy has a range of benefits, including cover for medical expenses, cancellation and curtailment, and baggage.
- Some policies also offer cover for travel disruption, which can protect you in the event of strikes, airline failures and missed connections.
- If you’re planning on doing any activities while you’re away, then you’ll also need to make sure your policy covers you for this – whether it’s winter sports, water sports or even hiring a quad bike.
Try to tick-off all of these areas when selecting your policy, as well as considering how much it costs.
Travelling with the family?
If you’re holidaying with the family then check whether your insurance will cover them, too. Some insurance policies will cover children and grandchildren, whereas others will only protect you.
Make sure your insurer is aware of any medical conditions
Declare pre-existing medical conditions
If you, or our family, have any medical conditions then make sure that your insurer is aware of them. In most cases, this shouldn’t prevent you from travelling, you may need to pay an additional premium but it should ensure you are covered in the event of a claim
Planning more than one trip this year?
If you'll be holidaying more than once this year, choosing annual multi-trip cover could save you money, but don't forget to check that all of the countries that you’re planning to visit are covered.
Off on a cruise?
If you’re planning a cruise holiday, it’s likely you’ll be taking more baggage with you to accommodate those glamorous outfits for the Captain’s dinner. Insurance policies with cruise cover usually offer a higher level of cover for baggage and valuable items. Not all travel insurance policies offer this as standard, so look out for it if you’ll be holidaying on the water.
Don’t let age put you off travelling
The cost of travel insurance for those over 65 can sometimes be off-putting and some insurers don’t offer cover to this age group at all. However a small number of firms, including Swinton Insurance, offer single trip policies to people of all ages, as well annual multi-trip policies for people aged up to 85 years.
Thanks to Mark Hallam from Swinton Insurance for sharing these tips.