Finding The Right Travel Insurance Policy

By Author: Augustine Starcic
Total Articles: 10
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When travelling abroad, nearly two thirds of people from the UK do not take out a travel insurance policy. But what would happen if you fell ill in a country outside Europe? Or what if they lost their baggage abroad? It''s important to be covered against these worst case scenarios.

Travel insurance should be thought of as essential, rather than being optional. If you''re going abroad in the next year, and you need a travel insurance policy, then this article can give you some tips. Meanwhile, travel insurance from AA Travel is worth a look.

Check what cover you may already have

If you''re a premium customer with a bank or credit card company, then chances are that you''ll already have travel insurance included. This is particularly likely if you''re paying a monthly fee for your banking. Make sure you understand the terms of this deal if you find you have one.

You may not know for sure if you have a policy with your account. If you don''t, then contact your current account provider to see if they will provide one. You may be asked to upgrade to a premier service, but it''s rarely worth getting one ...
... of these just for the travel insurance policy alone.

Special Conditions

While you can tailor your insurance package according to your needs ? such as getting ski cover and the like ? you will also need to consider special circumstances for your group. For instance, do you or any of your party have a history of serious illness? If the answer is yes, then the quote you''re after can rocket upwards.

It may still be possible to find a specialist insurer that will give you a quote which is less than traditional insurers. If worst comes to worst and you can''t find a reasonable quote and you''re only travelling within the EU, then get an EHIC card and find insurance for baggage loss and flight cancellation.

What cover is necessary?

If you''re travelling in the EU, then you should get an EHIC card, but this won''t protect you for loss of baggage, or flight cancellation. Furthermore, not all European countries have many public hospitals, which may mean you end up at a private hospital for emergency treatment.

It''s important that you don''t pay for more than is necessary. Your medical expenses will rarely cost more than ?2 million, while personal liability should be about ?1 million. As a maximum, you should take out this level of cover plus cover for loss of baggage and flight cancellation. Augustine Starcic recommends that you always take out travel insurance.