Your holiday is an important event in your year. You save up every spare penny, dreaming of the far-flung shores you could visit, so why would you risk it for the sake of taking a few minutes out of your day, to make sure it all goes without a hitch?

You wouldn’t!

Despite this, there are countless people who think it’s okay to travel without insurance, but put simply, it’s not! What if something goes wrong? What if you become ill? What if you lose all your belongings? Insurance is your safety net just in case, and yes, we hope that nothing does go wrong, but ‘just in case’ is always something you should have in the back of your mind.

The importance of insurance doesn’t just end with ‘what if’, it basically gives you peace of mind, which is something money can’t buy.

It’s easy to find a great value insurance policy online, and it simply takes a few minutes to find the perfect one for you. There are a few things you need to remember, but these are generally common sense, and as soon you’ve been through the process once, you’ll find it easy in the future.

Here’s a few things to bear in mind.

Declare your pre-existing conditions

If you have any medical conditions that are ongoing or you have had them in the past, be sure to declare them at the time of finding your quote. If you don’t do this and you become ill, your policy could become null and void because you didn’t declare all relevant information. The more conditions you have, yes, the price may be a little higher, but you will still find great value quotes, so don’t use this as an excuse not to bother!

Check your destination is included

Different companies have different definitions of Europe, and some policies don’t include certain countries, so always check the list on the website. You should be able to click on a question mark or some other help menu which will give you the list of countries included in each policy.

Consider whether you want single trip or multi-trip

If you’re thinking of going away a few times during a year, consider buying a multi-trip policy. This will last for one year and will cover you for the duration of those 12 months, with a few restrictions. Again, make sure all your destinations are included in the policy, and check how long you’re allowed to be out of the country for.

Print out your policy certificate

It’s always a good idea to keep the policy details in your email inbox, so you can retrieve them if need be, but I’d always print out the certificate and keep it in my hand luggage, and I’d also store the claim number in my mobile phone, just in case.

Look at the extras

Are you planning on doing any winter sports, or adrenaline sports? Check whether you’re covered! You may not be covered at all, or you may have to purchase an add-on.

Finding your ideal cover is simple, and really doesn’t take long to find. Never be tempted to miss this step out when it comes to organising your holiday, it really could turn out to be your safety net.


ABOUT THE AUTHOR

Janice