If you are jetting off alone for the first time, there can be so many things to think about it becomes almost overwhelming. From booking flights, to online check in and from keeping baggage within limited weights to packing an emergency first aid kit. With everything else that is going on it can be easy to leave your travel insurance until the last minute.
However getting the right travel insurance is almost as important as getting the right flight, as when trouble strikes you want the reassurance that you are covered in all circumstances.
Pre Existing Conditions
Another big problem for travellers can be trying to travel with pre-existing medical conditions. Everything from eczema to heart attacks will affect your travel insurance and needs to be declared prior to travel. This may mean paying an additional excess to cover your for those conditions or you may end up having to take out insurance that covers you for emergencies but doesn’t cover you for those pre-existing conditions.
Before you decide, take a look at some specialist offers such as the policies at Able 2 Travel and other specialist insurers.
Activities
If you are an adrenalin junkie and know that you will be taking part in extreme or winter sports activities then again you will need to check that you are covered for this. For example it is often the case that simple snorkelling is covered but scuba diving requires you to pay an extra premium. If you are taking part in winter sports such as snowboarding and skiing, make sure that your policy covers you for mountainside rescue and repatriation if necessary.
Destination
Where in the world are you going? Most premium current accounts come with some form of travel insurance nowadays and this can lull you into a false sense of security as often these policies cover the world, but not the USA or Canada or at worst cover Europe only. Double check the small print and make sure that all of your destinations are covered in the policy that you pick.
Things to Think About
Where in the world are you going? Most premium current accounts come with some form of travel insurance nowadays and this can lull you into a false sense of security as often these policies cover the world, but not the USA or Canada or at worst cover Europe only. Double check the small print and make sure that all of your destinations are covered in the policy that you pick.
