It is fair to say that we will all go on holiday at least once in our lifetime, especially now it is cheaper than ever to fly abroad. But because flights are so cheap, many people can afford the flight but then skip on any kind of travel insurances to cover them for any mishaps or accidents. Even for short trips, getting some kind of travel/holiday insurance can save you fortunes. Below are some examples of what could happen and how travel insurance can help, to see more of these figures or to find out more about holiday insurance just click the link provided.
Of course with any kind of trip, you run the risk of your flights being cancelled altogether due to the weather or other complications at the airport. With insurance you can be covered for up to £5000, which would go towards the cost of the plane tickets and the money it takes for you to travel home from the airport etc. If you were not covered then you would have the stress of having to pay out more to travel back home or to spend out on another airline to get to your destination.
This doesn’t mean when you’ve been stranded in another country, abandonment is when you have to abandon your trip altogether due to being delayed for more than 12 hours. You get paid not for how long you’ve waited but you get paid for the whole cost of the trip, usually up to £5000 worth being covered. Without this you would have no choice but to try and salvage a trip and maybe minus a day off with delays and redirects or you would have to cancel the whole trip with no real chance of a refund.
With medical care you’re actually covered for more than you may think, with the average insurer covering you for emergency medical expenses (for up to £10 million), personal accidents (for up to £30,000) and existing medical conditions should you choose an insurance that covers existing medical conditions. Emergency covers you for A&E trips and personal accidents are ones where you have made an appointment or visit a walk in clinic. This is what normally sways most people to get covered as they can be the biggest cost to you in your lifetime, not just money wise but from a quality of life perspective.
This ranges from any and all of your hold or hand luggage all the way to backpacks and handbags that you carry around with you. You’ll need to check exactly what you’re covered for but 9 times out of 10 you are covered for valuables such your phone, money and passport. You can be covered for up to £2000 worth for your possessions, much better than if you weren’t covered. Without cover you are left trying to replace everything that was lost which could become more costly and extremely stressful.