Do you want to find a good yet cheap travel health insurance, and quickly?
Are you covered for your trip by a good yet cheap travel health insurance?
What do I need to look out for when acquiring travel insurance? What’s a good and cheap travel health insurance to cover my needs? And how can I find it quickly?
In the current economic climate and also the apparent climate change there can be unexpected occurrences from financial failure of airlines to extreme weather, e.g. storms. Just think back to the volcanic ash cloud and it’s effects on travel plans in Europe. There are a few travel insurance companies that will also cover you for those eventualities.
Even if you are travelling anywhere within the UK (or your home country) if you paid for any ticket, accommodation, activity holiday or retreat you may like to be covered by the best travel insurance e.g in case of floods or any natural disaster, so that you can claim back any money.
If before now you haven’t considered getting travel insurance when embarking on your trip or think you will simply be insured by paying for your holiday with your credit card, you may like to think again. Not all credit card companies still provide automatic money back insurance, you may like to check with your bank. It’s advisable to get covered before you travel, ideally when you buy your ticket or take the risk of loosing your deposits.
These days most people use price comparison sites where you can request some of your criteria to narrow down your choice and find the cheapest insurance. It’s a good start, though bear in mind that not all insurance providers are included. It’s always highly recommend you read the ‘small print’ carefully and check reviews of your selected providers – to fast track this process we’ve done some leg work for you and compiled a quick checklist for travel insurance essentials.
7 Top Tips – Quick checklist to cover the essentials of your travel insurance:
Make sure you…
1) acquire a comprehensive travel AND medical insurance
e.g. some insurance companies will cover for financial failure including scheduled flights and accommodation, either as standard, or as an optional extra. AND don’t lie about your medical history you may end up paying for it.
2) your policy covers you for all the activities you want to undertake
e.g. yoga, sports etc.
3) your policy covers you for any natural disasters
e.g. covering claims resulting from closure of airspace due to volcanic ash. Some insurance companies are treating volcanic ash clouds as a “weather related” event.
4) check for any exclusions
e.g. depending on your needs some exclusions may be fine for you, others not.
5) are happy with the excess
e.g. if you make any claim do you want to absorb the first £100, £200 or less?
6) choose an insurer who pays for justified claims
e.g with a brief check of the latest reviews on the internet you can quickly identify companies to avoid
7) check annual cover that usually works out cheaper if you are planning on two or more trips (worldwide or Europe).
In our research we discovered The Moneysaving Expert helps you find a good yet cheap travel health insurance with the cover you want and it’s quick to use; including tips for over 50s.
(If you do not live in the UK or you are not a UK resident then you may need to get insurance in your country of origin or residency.)
Please always double-check all insurance details directly with the company. Neal’s Yard Holidays cannot be held responsible for any decisions you make regarding your travel insurance.
If you are interested in further reading, the Guardian have a good article on travel insurance policies with further helpful suggestions (although it was published in 2009, it still contains applicable information).
Happy travelling!
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