So, you’ve finally taken the leap and booked your dream holiday to a far-flung destination. Unfortunately, there is always the chance that travel disruption, strikes, sickness and other elements out of your control can end up damaging your plans and your budget. That is why a travel insurance policy is vital for any holiday. Below are Tips for purchasing the right Travel Insurance Cover to ensure that you are covered no matter what happens.
- Buy travel insurance as soon as you book your trip
- State any health conditions prior to purchasing the policy
- Check the summary of benefits to ensure you have sufficient cover
- Add any necessary cover options based on the type of holiday you are going on.
Purchase Travel Insurance as soon as you book your trip
Always purchase Travel Insurance as soon as you book your trip to ensure you are covered for cancellation straight away. It can be easy to push this off until the last minute but you can run the risk of having a claim declined if you or a family member falls ill prior to taking out the Insurance.
State any health conditions prior to purchasing the policy
Read the important conditions relating to health. Most policies will require a medical declaration to determine if you have any pre-existing conditions or taking medications. If you do not state these conditions prior to purchasing the policy, you may not be protected if you have an incident related to it.
Ensure you have sufficient cover
Check the summary of benefits to ensure you have sufficient cover. Be aware of reduced limits on Medical, Cancellation and Baggage cover with cheaper policies. Always make sure to check the Excesses on a policy so you know that if the worst happens, you won’t end up still having to pay a large excess fee to make your claim.
Additional cover options
Check all additional cover options. Things like Winter sports, Excess Waiver and Travel Disruption usually incur an additional fee as they are extras on your policy.
Multitrip.com is a multi-award winning travel insurance brand. They are an Irish company that specializes in a range of insurance products. TMB has worked with them for many years and we are happy to recommend them to our patients for travel insurance.