It might not be a legal requirement, but holiday insurance is a travel essential that you really mustn’t go without. You’ve probably heard plenty of people advising you to take travel insurance, and perhaps the odd horror story from people who have been at the receiving end of a holiday-gone-wrong. But if you’re one of those people who thinks “it won’t happen to me”, it’s time to change your perspective.
Travel insurance is designed to keep you financially protected should the worst happen. It can protect you against all sorts of holiday nasties such as illness, medical treatment, hospital overnights, lost passports and so on. If you’re wondering why you need insurance against illness, remember that there’s no NHS cover when you’re abroad, and an overnight stay or the need for medical attention could cost a small fortune.
A good holiday insurance policy should pay out for treatment and for any additional or associated costs, such as medication or transport. Imagine if you have a fall whilst skiing and you need to be airlifted off the mountain. Who’s going to pay for the helicopter? Or the cost of closing the piste? Also, think about the possibility that you may need to travel home early. Or if you fall ill at home you may even have to cancel your holiday altogether. Aside from the huge disappointment of staying at home when you should be sunning yourself on holiday, a good travel insurance policy should cover you for the cost of a cancelled holiday.
As you can see there are plenty of reasons to take out travel insurance, and it really isn’t an expensive outlay given the enormous costs you could be facing if things all go wrong. So do the right thing. Do your research and check out a range of different insurance providers – from Thomas Cook Extras right through to independent providers – and take out the right level of holiday insurance for your trip. It could save you a significant amount in the long run.