Going on a travelling adventure can be an action-packed experience. However, it’s still a vacation and should, therefore, be relaxing and hassle-free. What is the importance of travel insurance before you head abroad? Also, things can potentially go wrong.
The Importance Of Travel Insurance:
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This is why having a comprehensive travel insurance policy before you leave home is essential. Without cover, you could find yourself out of pocket or stuck in a tricky situation with no obvious, easy solution. So here are the top reasons why travel insurance is so important.
Cancellations:
Under certain circumstances, you may need to cancel a trip abroad or cut your foreign excursion short. Not all insurance policies cover every eventuality, so check the minor details with your provider.
Legitimate reasons to cancel include accident, illness, family bereavement, jury service, home emergency, and redundancy.
It is advisable to buy a policy that will refund the full cost of your trip, as well as cover pre-paid expenses and the cost of returning home.
Medical Expenses:
Even though we benefit from a free national health service in the UK, this privilege does not extend abroad. Therefore, you may be liable for the cost if you need to visit the doctor or hospital while abroad.
However, with a European Health Insurance Card (EHIC), you can get treatment or medical attention at a reduced rate or even for free. Available from the NHS, the card covers pre-existing medical conditions and routine maternity care and is valid in all European Economic Area (EEA) countries, including Switzerland.
Personal Liability Cover:
A travel insurance policy can include personal liability coverage if you’ve caused injury to another person or damaged a building or property.
Record the facts as soon as possible through a statement and photographs, collect the name, contact details and witness reports from other parties, and contact your insurance company. However, you should never openly accept responsibility.
If you happen to be an accident victim while abroad, you may be eligible for holiday accident compensation.
Lost Or Stolen Possessions
It’s a horrible feeling when you arrive at baggage claim, but your suitcase is nowhere to be seen. With a good travel insurance policy, you may be eligible for an emergency payment to buy clothes and toiletries.
As a tourist with lots of cash, you will also be an easy target for thieves and pickpockets. Your home contents insurance may provide some sort of protection abroad, but taking out specific travel cover is advisable.
Peace Of Mind
Even though the incidents above are rare, having a comprehensive travel insurance policy will eliminate any worries or concerns.
Going on holiday or travelling abroad is usually a big expense, probably taking months to save up for. You can be sure that nothing will ruin your time away.
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