A lot happened in the world of travel in 2010, from strikes and volcanic ash disruption to the collapse of tour operators and problems with airlines and snow. On present evidence, hopes from travel insurance specialists and travellers that 2011 will be less dramatic, are dimming rapidly with political problems in Egypt and Tunisia, floods in Australia, and strikes in several European countries – and it is only February!
Following the travel chaos of last year travel insurance has become vitally important to people when booking a holiday. Whether it is annual multi trip insurance or single trip travel insurance, more people see the benefit of having the right travel insurance policy for their holiday. World First travel insurance has some useful advice:
If you are planning a holiday in 2011, be it a trip of a life-time or a short break, make sure you get the right policy that gives you the best cover for travel and any disruptions that may occur. The right travel insurance policy can cover disruptions and delays, accidents and emergencies, losses and theft as well as medical treatment and repatriation.
In 2010 many people found that they were left out of pocket after their insurers refused to pay out during the disruption caused by the volcanic ash and other events. When planning a holiday it is important to consider what may go wrong to make sure that the travel insurance policy you take out will provide you with an acceptable level of cover.
If you are travelling with family or friends who have or have had cancer or any other pre-existing medical condition - check the travel insurance policy to make sure you are covered should ravel plans be affected by illnesses of anyone in the party who has bought travel insurance elsewhere.
Travel insurance through bank accounts, or other general added benefit schemes, provides travellers with standard cover - they do not provide cover for pre-existing medical conditions if they have not been disclosed. Importantly, they also do not cover accompanying travellers should a member of the party fall ill and travel be disrupted if the policyholder has not disclosed this information. Making sure you disclose any pre existing medical conditions and taking out medical travel insurance will ensure that you have the best cover possible.
- Pick your destination carefully if you are travelling off the beaten track
- Take note of any information released by the Foreign & Commonwealth Office
- If you are on medication take more than you need, just in case you are delayed or your stay is extended unexpectedly
- Disclose any pre-existing medical conditions that you, or anyone in your travelling party has
- Disclose details of any activities you may be taking part in that may not be covered by a standard travel insurance policy
- Keep travel insurance policy details with you when you travel in case you need to make a claim.