Travel Insurance plans
Before I start let me get a few legalities into the open - I’m not an qualified financial or travel insurance adviser, and don’t pretend to be, so the information in this article is written from my own experiences, and you should always speak to a qualified travel insurance broker or adviser BEFORE you travel.
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Apart from covering items that may be stolen while you’re on holiday, including small amounts of cash, travel insurance offers many other important benefits. Policies usually include cover for medical expenses - useful if you fall ill or if you’re unfortunate enough to be attacked and injured. You must disclose any pre-existing medical conditions.
Travel policies also tend to include some basic “personal accident” cover, paying a set amount in the event of loss of sight, limbs or injury resulting in permanent disability or death. Another important element is “cancellation cover”. If you have to cancel your holiday because of injury, illness or a disaster at home such as a fire, this will pay for any holiday expense you cannot recover. You need to check carefully what is covered and what isn’t.
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