Travel Insurance can seem like a boring and unnecessary item on your pre-travel to do list – why spend money protecting yourself against a holiday disaster which may never happen? However, expensive holiday disasters, such as cancellation or lost possessions, and danger can attack at any time without our knowledge.
That is why travel insurance is such a vital purchase before you depart for a trip.
Here are 10 benefits of travel insurance that we summarize.
1. Cancellation fees and lost deposits
You’re covered for any cancellation fees and lost deposits for your pre-paid travel arrangements, if you cannot make your flights or planned accommodation due to circumstances out of your control such as sickness, injuries, strikes or natural disasters. Understand cancellation cover fully to know when you’re covered.
2. Emergency Medical Expenses and Repatriation
Injury or illness is inconvenient at the best of times, but imagine needing emergency medical attention abroad – you may not be able to communicate with doctors, and will most likely have to pay for your treatment. This is where our medical expenses section can help you, as we will consider emergency medical bills up to $11,000,000 on many policies, including the cost of getting you back to the UK if medically necessary.
Furthermore, every Holidaysafe policy comes with access to our doctor managed emergency medical helpline, which is available to help you 24 hours a day, every day of the year.
3. Family emergency
You’re covered for your unexpected travel expenses if a close relative, or the person you’re travelling with dies unexpectedly, or is disabled or injured and needs to be hospitalized.
4. Personal Accident
Thinking about what could go wrong on your trip isn’t the nicest pre-travel topic, but it’s important that your travel insurance includes cover for accidental death and disability, which will pay a set benefit if you die or are permanently disabled following an accident during your trip.
5. Accommodation and travel expenses
If you’re sick or injured and can’t get home, travel insurance will cover your unforeseen additional accommodation and travel costs.
6. Activity Cover
Most of us will participate in activities whilst we’re away, from jet skiing and winter sports to bungee jumping and sky diving. You must ensure you are covered in these activities, otherwise, you could face expensive bills if you’re injured whilst participating.
At Holidaysafe we cover 100 activities as standard and offer the option to extend your cover to include many more, so check our activity lists and make sure you add the relevant activity pack on the options page of the quote process.
7. Domestic Pets
If you’re delayed returning home from your holiday and have a dog or cat being looked after, travel insurance will cover the additional kennel or cattery fees. Also, if your pet is injured while you’re away, your vet bills are covered too.
8. Alternative transport
If you incur delays and cannot make a pre-planned event such as a wedding, funeral, conference or any pre-paid tour your alternative transport expenses will be paid for by your travel insurance.
9. Disruption of your journey
If your flight is delayed for more than 7 hours, your food, and any unforeseen accommodation you might need to pay for will be reimbursed.
10. Legal Advice
Just in case you need to seek legal advice in relation to your trip, or you need help in pursuing a legal claim in relation to your trip, most of our policies include a section dedicated to legal cover and advice.
We have teamed up with Slater and Gordon to ensure you get the help and advice you need – please check your policy wording for further information.