Policy Details for Travel Insurance

When choosing a policy, there are a number of areas that you should make sure are covered.

Medical Treatment

Always consider medical coverage if travelling to another country, even if you're visiting a country with an E111 agreement. Not all the countries acting within this agreement will pay the full cost of medical treatment. You will not be covered for rescue costs should you fall ill whilst away from the main centres of population, nor will you be covered for the cost of your repatriation to the UK.

If you travel to a country outside the EU, the cost of medical treatment becomes more significant. If you fall ill in North America, your medical bill could run into hundreds of thousands of dollars. A standard insurance policy for Europe will provide up to £1 million in medical aid, and £2 million in the US and Canada.

You will need to let your insurer know of any pre-existing medical conditions, or you may not be covered by the policy you purchase.

Legal Cover

Make sure you are covered for any personal liability claims and other legal bills. This is especially important in North America, where legal fees can be astronomical. Check to see if you're covered whilst engaged in certain activities – for example if you play golf on holiday and cause an injury to another person. Many standard insurance policies will not provide such cover.

Cancellation and Curtailment

Cancellation is one of the most popular reasons for claims against travel insurers, and so it is vital that you arrange your travel insurance directly after booking your holiday, to provide instant cover.

Thefts, Mugging and Luggage

If you are unfortunate enough to be a victim of a theft, report it to the police immediately. They will be able to provide you with a statement to show your insurer when you make the claim.

If your baggage goes missing, or your cases have been sent to another airport, most policies will allow you to buy suitable essential replacements, which you can claim for on your return.

Hazardous Activity

Whilst on holiday, many of us like to participate in activities such as skiing, bungee jumping, horse riding, scuba diving, and more. However, before you try any hazardous activity, make sure you check your policy wording. Most standard policies will not provide cover for such activities, although many insurance companies will offer it as an extension for an additional premium.