What does travel insurance cover?
Travel insurance goes well beyond simple medical cover, although that is potentially that is the biggest expense it will protect you from. Travel insurance covers you if your holiday is cancelled altogether, you have to be bought back home to the UK early for any reason, delays due to the airline (in which case the airline may give you compensation too), loss while you’re away and most policies provide round the clock assistance too.
These 5 things are just the basics, if you’re going base jumping or heading into any country that could increase the risk of you being in danger, then you should look into a more specialist travel insurance policy to make sure you’re covered for every eventuality. If the Foreign Office advises against travel to certain countries you may also find that you’ll struggle to get cover from insurance providers.
Don’t think a cancellation won’t happen to you. Anything from snow on the runway to torrential rain, staff strikes and even volcanic ash clouds have caused hundreds of thousands of people to lose their holidays in recent years. Your airline provider may compensate you if your flight is cancelled but there is extra cover available through travel insurance to give you that additional peace of mind.
You could find yourself stranded at the airport in a foreign land and while the airline sometimes covers the local accommodation, there are no guarantees. In these instances it’s far better to have a robust travel policy.
Cancellation doesn’t just cover flight cancellation, you are often covered if you or a family member fall ill before you leave and you can’t travel for medical reasons. Providing you weren’t aware of illness in the family when you took out a travel insurance policy, a death in the family could even trigger a pay-out for the full amount of the holiday, so you can change your plans and go another time.
An emergency evacuation and repatriation from a far flung corner of the globe, meanwhile, can cost tens of thousands of pounds, without even starting on emergency medical treatment at a hospital.