The ease of travel and the increasing popularity of short breaks, second homes abroad and low-cost airlines, has resulted in millions of us travelling to foreign destinations every year. Whilst most of us will generally travel incident free, it is important to consider the consequences of what happens when things don’t quite go to plan.
Holiday time is a precious commodity these days with most people preferring to use their holiday time relaxing and recovering from the stresses and strains of everyday life. Few people would ever imagine that an idyllic holiday could be anything more than that, yet within that split second a simple trip or fall or a more serious medical emergency could result in holiday dreams (and bank balances) being completely shattered if adequate travel insurance has not been arranged before the trip begins.
Travel insurance is an important part of your holiday and its benefits should not be overlooked. Did you know insurance policies will generally cover events such as:
- Financial recompense if your holiday is cancelled or curtailed due to circumstances out of your control
- Repatriation to your home country
- Medical emergencies
- Loss or damage to your personal belongings (ie. money, passports etc)
- Search and rescue costs
- Third party liabilities
- Lost or broken equipment
The insurance market is vast and the amount (and type) of insurance coverage you can receive varies from insurer to insurer. In searching for an appropriate cover that is suitable for your needs it is important to review all policy wordings (terms and conditions, exclusion and excess limits) to ensure that all eventualities you may come across on your holiday experience are covered.