Travel insurance looks set to be more important in 2011
20 January 2011 11:28
A lot happened in the world of travel in 2010, from strikes and volcanic ash disruption to the collapse of tour operators and problems with airlines and snow. Travel insurance specialists and travellers alike are hoping 2011 is a little less dramatic.
It seems that following the travel chaos of last year travel insurance has become vitally important to people when booking a holiday. Whether it's annual multi trip insurance or single trip travel insurance, it seems that more and more people seeing the benefit of having the right travel insurance policy for their holiday.
People planning a holiday in 2011, be it a trip of a life-time or a short break, are being advised to make sure they get the right policy that gives them the best cover for travel and any disruptions that may occur. The right travel insurance policy can cover travellers for disruptions and delays, accidents and emergencies, losses and theft as well as medical treatment and repatriation.
In 2010 many people found that they were left out of pocket after their insurers refused to pay out during the disruption caused by the volcanic ash and other events. When planning a holiday it's important to consider what may go wrong to make sure that the travel insurance policy you take out will provide you with an acceptable level of cover.
People travelling with family or friends who have or have had cancer or any other pre-existing medical condition are being advised to check their travel insurance policy to make sure they are covered should their travel plans be affected by illnesses of anyone in the party who has bought travel insurance elsewhere.
Travel insurance through bank accounts, or other general added benefit schemes, provide travellers with standard cover – they do not provide cover for pre existing medical conditions if they have not been disclosed. Importantly, they also don't cover accompanying travellers should a member of the party fall ill and travel be disrupted if the policy holder has not disclosed this information. Making sure you disclose any pre-existing medical conditions and taking out medical travel insurance will ensure that you have the best cover possible.
Travel insurance specialists have given people a few pointers on what to consider when planning their holiday for 2011:
- Pick your destination carefully if you are travelling off the beaten track
- Take note of any information released by the Foreign & Commonwealth Office
- If you're on medication take more than you need, just in case you are delayed or your stay is extended unexpectedly
- Disclose any pre existing medical conditions that you, or anyone in your travelling party has
- Disclose details of any activities you may be taking part in that may not be covered by a standard travel insurance policy
- Keep travel insurance policy details with you when you travel in case you need to make a claim
- Understand the limitations of the policy, for example the level of cover for a single item, which is usually about £250