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Regardless of whether you're travelling for business or pleasure, all travellers should make sure they have travel insurance arranged before setting off. Read on for useful information on travel insurance when flying from Heathrow Airport. |
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Travel Insurance For Your Needs .. |
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Like the name suggests, travel insurance insures travellers when travelling on their holidays - both overseas and UK cover is available.
Travel insurance is commonly sold at varying levels of cover to include
compensation for delayed flights, medical treatment or lost luggage. It is strongly recommended that you thoroughly check before you purchase travel insurance that the level of cover you are interested in provides the level of cover you need.
With the contents of a suitcase soon adding up, and hugely expensive medical bills overseas, Travel Insurance is an absolute must for any traveller.
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Travel Insurance Cover ... |
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It is not worth running the risk of ruining your holiday, or risking your health, when you are travelling by not taking out travel insurance.
Travel insurance policies nowadays vary in what is actually covered in a policy and there are often a number of policy types to choose from, for example - bronze, silver or gold packages. Therefore consider carefully the cover you and your party might need.
Below we have detailed items that can be covered by travel insurance, and you might feel these are necessary in order for you to have peace of mind to travel. Do note however, that not all policies from all providers will automatically cover these things. Also look into any excesses or limits or other terms & conditions that might be applied. You will need to check, and probably double check to be on the safe side, that your needs are provided for. |
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- Reimbursement or compensation should your trip be delayed or cancelled due to reasons beyond your control
- Medical expenses for emergencies, and/or repatriation if you are taken ill or are injured whilst abroad
- Cover for damage or lose to your personal items
- Cover for theft, or loss of money
- Any expenses incurred due to delay
- The expenses experienced when replacing a lost passport whilst away
- Personal liability cover and legal expenses
- A compensation amount should if you suffer permanent disability or death whilst on holiday
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| There are a large number of places where you can buy travel insurance from. When you are considering purchasing travel insurance try your bank, the post office, Internet brokers or traditional insurance companies. |
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Common Exclusions For Travel Insurance ... |
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Any pre-existing medical condition that you might suffer from is likely to be exempt from cover when you purchase travel insurance. It is also vital you share any conditions you suffer from, or have suffered from in the past, with your travel insurance provider.
Certain water sports and land based activities can also be excluded from cover. Again, you must tell your insurer of your plans when you go to purchase your travel insurance. |
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| With the threat of terrorism effecting travel do pay careful attention to whether your policy provides cover for any delays or cancellations that might be experienced should a terror threat result. |
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Travel Insurance That's Right For You... |
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| When you go to purchase your travel insurance it is important you buy the right travel insurance for your needs. So we recommend you... |
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| ...Shop Around |
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| Shop around when you are looking to buy travel insurance so you get the right cover that's right for your holiday. |
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| ... Consider The Cover You Need |
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| Consider the cover that you do need, and the cover you don't. There is no point paying to be insured for water sports if you have no intention of doing any.
The same with Winter sports - if you are going skiing get the right travel insurance policy that covers skiing and snowboarding etc. |
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| ... European or Worldwide Cover |
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If you are travelling to France, for example, there is no need to buy travel insurance that covers Worldwide destinations as the cost difference is a lot. You will just require European cover.
Likewise, if you are going away several times this year it might be cheaper to purchase an annual travel insurance policy than a single policy each time you travel.
If you are holidaying to a Country and you are unsure about safety due to the Country suffering from threats, for example, and tourist aren't advised to travel you can check by visiting the Foreign and Commonwealth Office website first - click here. |
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| .... Existing Cover |
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| It may be that your credit card or home insurance policy provides you with annual travel insurance so you won't need to pay out for an additional policy, saving you some money. However, do check that this policy meets your requirements as many are just offering the basic cover. |
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| ... Help Whilst on Holiday |
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| A reputable travel insurance provider will provide its customers with a 24 hour helpline. Make sure you keep this with you when you travel. Also you must take your policy documents with you. |
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Travel Insurance Providers ... |
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| Here are just some of the travel insurance providers you can purchase travel insurance from: |
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Churchill Travel Insurance |
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Challenge Churchill to find cheaper travel insurance |
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Website |
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American Express Annual Insurance |
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Annual travel insurance from American Express |
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Website |
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Columbus Direct Travel Insurance |
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Get a quote for travel insurance from Columbus Travel Insurance |
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Website |
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Travel Insurance Online |
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Travel Insurance online offer great deals on insurance for holidays and business travel |
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Website |
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