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Key facts for Travel Insurance


The best laid plans can sometimes go wrong and despite your best efforts  when booking a trip and making plans to reach your destination, the  unexpected can happen. That is why it is important to ensure you are covered as soon as your holiday is booked.


a) This section looks at some of the things can that happen to people before travelling with information about how travel insurance policies can help.


Missed departure

Travel delay and abandonment


b) Things that can go wrong during your trip. You have finally managed to get out of the country. Surely nothing more could go wrong? Sadly, for many people, arriving at their destination abroad can be the start of their difficulties. Here are some things that can happen and details of how travel insurance policies can help.

Baggage delay 

Lost and stolen belongings

Lost and stolen money

Lost and stolen passports

Emergency medical treatment and repatriation

Cutting your holiday short

Personal liability

Personal accidents

Legal expenses


These are just some of the potential problems covered by a standard travel insurance policy. Some policies have all of these covers and more, while others might only offer some of these benefits. So check that the cover provided suits your needs before you buy and travel to minimise the chance of any nasty surprises if you are unfortunate enough to have to claim.


c) Additional cover options. In addition to the standard features of a travel insurance policy, some policies will offer additional types of optional cover and you may want to consider whether they are appropriate for your needs. This will often depend on:

• Where you are visiting
• How you booked the holiday
• What you are planning to do on the trip

So what else could affect your trip?

Scheduled airline failure 

Hazardous or sports and leisure activities

Winter sports

Terrorist incidents

Travel disruption for independent travellers


d) Frequently asked questions.