When you buy a new car, you automatically think of insuring it. When you buy a new all singing, all dancing electrical device, you want to insure it against possible breakages, damage, or even theft, right? So why is a holiday any different?
We save long and hard for an annual two weeks in the sun, and this is just as valuable a part of our lives as our washing machine or mobile phone, in my opinion! Because of this, it’s vitally important you remember to purchase the best travel insurance policy for your needs, and of course your budget, well ahead of time. In fact, as soon as you book your holiday, I’d recommend getting your insurance sorted out. Being on the ball with this not only means you’re covered in the event of an unfortunate cancellation problem, but you’re also not going to forget it if you do it straight away.
Because insurance isn’t something you can touch or feel, or something you need to form part of the logistical side of your travel plans, it’s easy for it to be forgotten, or put on the ‘I’ll do it later’ pile. Don’t fall into this trap – it takes a few minutes out of your day, and if you find the best value policy for you, it won’t cost you the earth.
Loss of luggage, cancellation, medical problems, these are all areas that insurance will help you with in the event of a problem, but the one thing you must do is be 100% honest when you complete the process of organising your policy. You’ve probably heard it before, that you have to declare any pre-existing and current medical problems during the application process, and it’s vitally important that you do this. Why? Well, in the event of a claim due to a medical problem, no matter how serious, if you haven’t declared everything then your policy may not be worth the paper it is printed on. The worst case scenario of this is obviously that you could be stuck abroad with a massive medical bill with your name on it, all because you missed something out. It happens, and it’s something that can be so easily avoided.
Finding the best policy for you only takes an online search, and this is generally where the best deals can be found. Check all the small print, and always make sure your that your destination is covered, by checking the list of countries included in their definition of the geographical area – never assume, always check!
It might sound difficult, but it’s really not, and you’ll be glad you took the time out to insure your holiday. Don’t leave it to chance.
