Why should I have travel insurance?
Travel insurance should be at the top of your ‘to do’ list after you’ve booked your holiday. Along with compensation for cancellation, missed departures, delays and abandonment, a decent policy should cover you for medical expenses and emergency flights back home (repatriation). Healthcare can be expensive when you’re abroad even if you’re travelling to Europe and have an EHIC card. Remember, though, an EHIC will only provide you with the same free or subsidised treatment that locals get. You might find you need more specific care or a stay in hospital, both of which add up. Also in the event you are taken to a private hospital, the EHIC will not be valid.
You should also ensure that your policy includes curtailment just in case you need to come home in an emergency. This means that your provider will pay out for anything you’ve already forked out for and will miss out on.
Think about how much it would cost to replace all of your possessions and double check what cover is in place for valuables like jewellery, smartphones, tablets and cameras. They may not all be covered under ‘belongings’ and you might have to take out a separate policy for particularly expensive items.