One of the most important but also most confusing aspects of organising a family holiday is making sure you have the right travel insurance. Finding cheap travel insurance is obviosuly very desirable, especially in the current financial situation. However, there are other things that you should consider when finding the right travel insurance policy. In this article you will find some great advice on what you should keep in mind when looking for a suitable travel insurance policy.
Keep In Mind The EHIC
It is important to remember that the European Health Insurance Card or the EHIC replaced the E111 a few years ago. Having a EHIC will often entitle you to state healthcare at a lower cost or for free. The EHIC will cover you for any treatment you need that will enable you to stay on holiday until your return. It will also provide you with cover for treatment you require for pre-existing conditions and for any routine maternity care, as long as you are not travelling abroad to give birth. The card is valid in all EEA or European Economic Area countries and is free of charge.
Adequate Medical Cover Is Essential
Although travel insurance policies cover a plethora of different situations and eventualities, the most important part is the section on emergency medical and repartriation expenses. You want to go on holiday knowing that if something bad happens, any subsequent medical costs will be covered. This is especially important if you are planning a trip to the US, as the medical costs are much higher over there. A decent travel insurance policy should provide you with a minimum of £2 million European medical cover and £5 million worldwide medical cover.
Remember To Cover Your Gadgets
According to Which?, the consumer watchdog, the majority of standard travel insurance policies have very low limits on single item and overall valuables limits. Normally this limit is set between £200 and £300. This means if you have a smartphone, tablet, watch or camera that is more than that, you will be out of pocket if it is damaged or lost while on holiday. It is a good idea to check if your home insurance policy covers personal items while away from home or if it can be extended and you could also ask if your travel insurance policy could be extended to include your gadgets, even if it means paying a slightly higher premium.
Check The Cancellation Provision Of Your Policy
Another important aspect of your travel insurance policy is the cancellation provision. You should definitely check how much cover you actually get, the Which? guide states that decent policies should offer around £3000 worth of cancellation and curtailment cover.
Although it may feel like a nightmare trying to find the travel insurance policy that offers you the best value and cover, by referring to the advice and tips featured in this article, the task will definitely be a less stressful one. Insurance companies such as One Sure Insurance are always ready and willing to answer any questions you have relating to existing policies or policies you are interested in purchasing.