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.

• Cancellation 

• 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.