If you are planning to go on holiday, do not forget to buy yourself some good quality travel & holiday insurance. Resist the temptation to go on holiday without proper cover.
Every year hundreds of people do so and end up regretting doing so. In the worst cases, they end up having to pay out thousands of pounds to get themselves repatriated because they have fallen ill on holiday.
Going on holiday without holiday insurance really is not worth the risk. It does not cost much to buy cover. The right insurance could potentially save you a lot of money as well as a lot of hassle should you experience a problem whilst on holiday.
Preparing to Shop Around for Cover
Before buying travel insurance take the time to familiarize yourself with the types of cover that are available. Doing so will ensure that you buy the right policy for you and where you are travelling.
Holiday and travel insurance policy vary considerably and offer drastically different levels of cover. Buying the right policy for you is very important. There is no point in taking out a policy that does not cover you for injuries sustained whilst skiing if you are going on a skiing holiday. Some policies do not cover people with certain pre-exiting conditions. You have to check exclusions as well as what is included to be sure that you have the cover you need.
Who to Buy From
You must buy your policy from a well-established and reputable insurance company. In an emergency, you need to know the firm is still going to be in business and there to take your call and help you when you need it. Remember you may need that help at any time of the day or night, so you need to look for a firm that offers 24/7 support.
If a firm does not explain in detail what is covered, do not buy from them. You should be able to read the policy before signing up. Good quality travel insurance does not cost a lot, but it is still worth getting quotes from several companies before settling on a policy.