Make Certain Of Your Holiday Insurance
Everybody eagerly looks forward to their annual vacations. As our time off from work draws ever closer we might even start to tick off the days from our calendars, impatient for the day when we fly off to the sunshine.
Unfortunately many people head for their holiday destinations without giving hardly a thought to the need for insurance. This is particularly true for those who don’t arrange their holidays through a travel agent. Travel agencies will generally remind people of the need for holiday insurance but even when they do many people take out the cheapest policy possible which can often be inadequate for many circumstances.
Nobody expects that they will need medical assistance or be the victim of crime and this is what stops many from taking out adequate insurance cover. Nobody expects to have an accident, to need medical attention or that they will be the victim of crime. Its an unfortunate fact of life that emergencies do arise and when they occur abroad they can be incredibly expensive. Many don’t reallise that, if the worst was to happen, then the cost of being flown home in an air ambulance could run into thousands of pounds. For example the cost of returning home from the United States in an air ambulance would be between £35K and £45K and from the Canary Islands the cost could be between £12K and £16K.
Unfortunately, while nobody plans for disasters problems can occur and imagine that you had to pay the cost of an expensive air ambulance yourself?
I’ve never had to claim for medical expenses from my own holiday insurance, but I have, on two occsasions, had to claim for lost or stolen possessions. One time, while travelling in India, my rather expensive camera was somehow liberated from my baggage while on a train from Agra to Varanasi. And on another occasion my suitcase was completely lost by the airline when I flew to Italy.
These incidents highlight another key reason to make certain that you have adequate holiday insurance cover. Having your personal possessions stolen while on holiday is bad enough but it can be a lot worse if you don’t have adequate insurance cover.
When selecting an insurance policy you are advised to be certain that you read the exclusions from the policy. For example, did you know that most holiday insurance policies will not cover drink or drug related incidents?
When shopping for holiday insurance remember that cheaper policies will tend to have less cover. Before you sign up for the cheapest policy that comes your way always be sure to check that it provides adequate cover for all those potentially crippling expenses that can occur, particularly if medical help is needed.
There may be ways to save some money, perhaps by considering an annual, multi-trip policy or by using a group insurance policy. If there is one travel expense that should be absolutely essential it is the need for adequate holiday insurance cover.
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Tags: accident, holiday insurance, medical emergency, protection, travel insurance