Getting The Right Holiday Insurance

By Author: Augustine Starcic
Total Articles: 10
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A quite alarming statistic is that two thirds of Britons who venture abroad each year are doing so without travel insurance, one in ten say they have never bothered with cover. But due to the risks involved with travel, insuring yourself should be seen as an essential and not an optional extra.

By going abroad without a proper policy in place, travellers are putting themselves under unnecessary risk ? could you afford an air ambulance home, or replacing your entire suitcase should it go missing? If you''re travelling abroad this year, then take a read of this article, while AA Travel can provide holiday insurance.

Type of Policy

You could choose single or multi trip, backpacker or sports travel insurance ? there''s quite a range to choose from and it''s easy to find one tailor made to your type of trip. Generally, single trip is fine if you''re only going away once during the year, if you''re going away more you should take out an annual policy.

With an annual policy, you may want to add more people onto it, such as the rest of your family in order to get the best value. An insurance policy covering ...
... the USA will be more expensive due to their private healthcare system, while sporting holidays carry extra risks that drive up costs.

Any Special Circumstances?

Special circumstances apply to those who present extra risk to insurers, such as people aged over 65 or who have had serious illness in the past. If you have a special circumstance, then it''s more than likely your policy will be more expensive than usual, but you may want to check out a specialist insurer.

It''s possible that you won''t find an affordable quote to cover you for your special circumstance, but you may be able to forego the specific clause applicable to your circumstances by getting a policy that doesn''t include it ? particularly if you''ve had a history of illness that hasn''t been experienced for years.

Getting the Right Cover

If you''ve had a travel insurance policy sold to you by your holiday provider, then you should consider if it''s at the right level for you, and the right price. It''s possible to be oversold an insurance package and you could end up with too much cover. For instance, does anyone need ?100,000,000 worth of medical cover?

The simple answer is you probably won''t, so you don''t need a policy that offers this ? it''d be preferable to go for a lower level (about ?2,000,000) if it''s cheaper. Also, you''re unlikely to need more than ?1,000 baggage cover unless you''re taking something very valuable away with you. Cover for what you need! Augustine Starcic recommends that you always take out holiday insurance, just to be safe.