No one likes to be rushed when they are planning a holiday, and even more so when they are packing for their holiday. Going through a checklist is often the best way to remember what needs to be done.
Buying sun cream or a beach towel can be done at the last minute, even a last purchase at the airport, but what you must avoid is leaving your travel insurance until you arrive at your destination. In some circumstances. You may be able to obtain travel insurance when you have already started your holiday, but if you do, you are likely to pay a much higher premium. You will also be limited in choice and could even risk not getting insurance at all.
You will only be covered when you take the policy out in the country you leave from, so if something should happen to you or your belongings and you don’t have the insurance in place, you won’t be covered! There is no way of misleading the insurance companies as they will be able to see any discrepancies in the policy should a claim be made.
It is highly recommended that you purchase your travel insurance as soon as you book your holiday. This will enable you to have cover in place should anything happen to you or something causes your entire trip to be cancelled - you will be happy in the knowledge that you will be able to get money back. This is valid for annual policies and single trip policies.
The Association of British Insurers recently reported that a British tourist visiting the USA suffered a stroke and £768,000 had to be paid out to cover the medical bill. This included £60,000 for an air ambulance back to the UK. Should this have happened in the UK, they would have been covered by the NHS, but in the USA, the medical expenses are very high. If no travel insurance policy was in place then they would have been in serous financial hardship or worse. There was also the case of an Australian tourist who suffered from a brain aneurysm as soon as her plane landed in Vancouver. If she hadn’t purchased the right insurance she would have had to pay $180,000 USD for medical care.
It is just common sense to protect yourself and your family whilst on holiday, so ensuring that you are covered from the start puts your mind at ease and covers you for any uncertainty.
If you are unsure about anything regarding travel insurance, please call us on 01243 784 000 and we will assist you with your questions.
If you have pre-existing medical conditions to declare, we can compare travel insurance to include these on the policy. Whether you are booking a short European cruise or an action packed three-week trip to Australia, finding the right policy for you is essential.
You can apply online for travel insurance using our online quotation tool, which allows you to manually add all your medical conditions yourself.