This post might contain affiliates links. This mean that if you buy anything by clicking on one of the links, I might earn small commission (for which I will be very grateful) with no extra cost to you
A travel insurance policy is super important. You should always book it at the same time as your holiday. This will ensure your holiday is protected in case you need to cancel your journey. But is your travel insurance covering everything you would expect it to cover? Is every policy the same? Which one insurance should you choose? Read on to find out.
Check the Foreign Travel Advice website before you travel. When your travel destination has a travel warning in place, your policy will automatically become invalid. But If the travel warning was put in place after you booked your holiday, you will be able to claim it through your insurance. If you booked a package holiday, the travel agent most likely will be happy to re-book it to different destinations.
Annual Travel Policy or a one-off?
If you travel more than twice a year, is most likely annual travel insurance policy will work out cheaper. Sometimes you can get an annual travel insurance policy together with your bank account. Talk to your bank, as sometimes you can get travel insurance policy, phone insurance policy and car breakdown cover for the same price as you would pay just for an annual travel policy with one of the insurance providers
Is every country covered?
If you travelling to Spain or Balearic Island, make sure you check your travel insurance policy. Some travel insurers exclude Spain and the Spanish island from their European policy covers
It’s cocktail o’clock
You travel insurance policy might be invalid if you had a drink. Whhhhat? For most of us, that’s a major part of our holiday. But yes. When you lose something or hurt yourself you might not be covered if you had a couple of glasses of vino. Be aware! Some insurers might even request a blood test to verify if you consumed any alcohol.
What’s the difference?
Travel Insurance policy and travel accident insurance are two different things. Don’t get those two mixed up. The travel insurance policy covers you for any travel cancellations and medical treatments. Travel accident insurance ( comes with some credit cards) covers accidents on a plane, train or hire car you booked using that credit card.
Make sure you declare all the medical conditions, no matter how small they are. Your travel insurance policy can be invalid if you do not provide your insurer with the list of all pre-existing conditions for every traveller that is included in the policy.
Travel insurance policy vs EHIC
Your European Health insurance card is not a travel insurance policy. You should always have both when travelling around Europe. EHIC card is absolutely free. You can get one by applying online here. Your EHIC card gives you the state-run medical cover. So if the locals get certain treatment for free, you will get it as well. This means you won’t have to claim it on your insurance.
What about private treatments?
Most of the travel insurance policy’s do not cover private hospital treatments. There are some exclusions such as it was an emergency and there was not a state-run hospital in the area.
If you planning on going on an active holiday such as skiing or wakeboarding, you will need to buy insurance that covers extreme sports. You will also need this type of insurance if you planning to ride a moped or go scuba diving. Even going go-carting can be classified as a dangerous activity.
What else isn’t protected?
Your gadgets are most likely not covered. With cheaper travel insurance policy’s you need to request for your gadgets to be protected. Of course, this can increase your premiums. Talk to your bank, as sometimes they might offer you travel insurance policy and phone insurance policy together with your bank account at a lower price to what you would pay for your annual travel insurance policy elsewhere.
Last day of the holiday. You need to check out before lunchtime but your transfer is not till evening. But that’s not a problem as almost every hotel has a luggage storage room. Leaving your bags is the storage room will invalidate your policy as the insurer will classify this as leaving your bags unattended.