When you’re heading off on holiday it’s easy to let a few things slip your mind, because you’re excited, and you’re looking forward to everything you’re going to experience in your destination. Having said that however, there is one thing you should never, ever forget, and that’s holiday insurance.
In the event of a problem, especially medical, you should be covered for most eventualities if you remember to organise your insurance, taking into account the company’s small print on restrictions of course. It won’t take long to do, and in most cases you can do this online quite easily, whilst drinking a cup of coffee if you so wish.
When organising your cover, remember the following:
Declare any pre-existing medical conditions
If you have any medical problems, and I’m taking about existing conditions for which you take regular medication, are currently under treatment, or have had treatment for in the past, remember to declare these at the time of organising your cover. In some cases this may put the cost of the insurance up slightly, but it’s worth it for the peace of mind. If you’re not entirely honest and you need to make a claim on medical grounds, you could find your policy null and void if you didn’t mention a particular problem you have or have had.
Make sure the cover you choose is adequate
Are you going to be doing extreme sports, or winter sports? If so, you may need to purchase an add-on to your policy, to ensure you are covered. Obviously certain extreme sports won’t be covered under any circumstances if they are particularly extreme, however talk it over with your insurance company first.
Make sure your destination is covered
If you’re heading to Europe, check that the country you’re heading to is listed in the company’s definition of Europe. Sometimes certain countries aren’t included, and in that case you will need a worldwide policy, but check the small print ahead of time.
Choose the right policy for you
There are different types of cover available, such as long-stay insurance, single trip, multi-trip, backpacker etc, so make sure the cover you choose is the best possible for your particular type of trip.
Arranging your travel insurance isn’t difficult, and it’s not that time consuming. Once you’ve done it, simply print everything off, store the claim number in your phone, and put the paperwork in your hand luggage, ready to take away with you. Hopefully you will never need to use it, but in the event of a problem, you’ll be thanking your lucky stars that you took the time out to arrange your cover.