Travel insurance is as essential to a trip as your passport or your suitcase. Many of us forget about travel insurance but the reality is that, without it, if something goes wrong it could be very costly. There are a number of situations in which travel insurance can come in very handy:
- Lost luggage
- Getting ill abroad
- Being in an accident while you’re away
- A cancelled trip
- Flight delays
- Being mugged or robbed
- Losing your passport
Travel insurance basics
Most travel insurance policies will cover you for a number of basic situations. These include delays, lost luggage and medical expenses. Different policies offer different levels of cover and each one will have an excess. The excess is the amount that you pay yourself towards any claim that you make. You can choose from policies that cover a single trip or all your travel in a whole year.
Travel insurance extras
As well as the basics of a travel insurance policy you can purchase travel insurance add-ons to tailor the policy to your needs. These add-ons are a smart move if you’re going to be travelling to somewhere more unusual or doing something active. Travel insurance add-ons include:
- Winter sports
- Adventure (surfing, waterskiing etc)
- Disaster cover
- Cash cover
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