Top Tip: Good Travel Insurance

April 7, 2016 Facebook Twitter LinkedIn Google+ Tips and Resources

Things happen that you don’t plan

Many people travel without travel insurance. I am one of those who err on the side of caution and I always take out a policy before we leave the UK. Making sure my family is adequately covered is the first thing on my list of things to do just after I buy the air tickets.

Things happen that you don’t plan. In the past:

  • I didn’t mean to leave my new camera at Charles de Galle Airport in Paris.
  • I didn’t think my eldest daughter would get such a severe ear infection from a swimming pool in Florida that it perforated her ear drum.
  • Nor did I anticipate my 7 year old would have a tooth abscess that would need treated in America.
  • I certainly did not foresee American Airlines losing all my luggage on a weekend break to NYC.

But the good news is that each time I had travel Insurance so all of these events were covered. That meant we didn’t have any unexpected outlays that would affect our travel plans. I would never leave my home on a major trip without it.

Travel Insurance covers more than just accidents and medical evacuations. When you choose an insurance policy you need to make sure that it meets your requirements and read the policy documents to ensure it is right for you. World Nomads offer travel insurance and I use them personally, you can click here to get a quote.

What makes good travel insurance?

When you are considering a policy there are 6 main areas to consider:

  1. Does your policy cover you in the event of cancellation or curtailment?
  2. Does it cover you for personal accident?
  3. Does it cover you for travel delay?
  4. Does it cover legal expenses?
  5. Does it cover your medical expenses and personal liability?
  6. Does it cover you for winter sports or hazards activities?

The fact is you more than likely won’t need to use your policy, but there could always be a first. I think it is better to have peace of mind than for the worst to happen and you are left unprepared and out of pocket.

My favourite travel insurance story

During my colourful working career I was employed by a major travel agent in the UK. My favourite travel insurance story from those days was about a 22 year-old English student who had booked to go on a skiing trip to Vermont with his university friends. Let’s call him Bob.

Bob was trying to keep his costs to a minimum and decided that as he was young and healthy he didn’t require any travel insurance for his upcoming trip. He had a preconceived idea that travel insurance was for the old and infirm. As he was travelling on a limited budget he thought the extra £50 or so would be better spent in the bar than on an insurance policy that he wouldn’t need.

His parents thought otherwise and insisted he took out travel Insurance. They made him check that the policy covered traveling to the USA from the UK and it would cover winter sports. They would have peace of mind if something unexpected were to happen to him.

Bob had a great vacation. Everything went to plan. The flight over was timely, his hotel was as described in the brochure and he didn’t lose anything. He spent 13 fabulous days on the slopes with his friends and just as many fun filled nights in the ski resort bars.

But as this is a travel insurance story, you know something goes wrong!

On day 13 it did.

He had a spectacular wipeout at the top of the mountain, and badly damaged one of his legs. Medics were called to his aid. His injury was severe, it would require surgery and a prolonged stay in hospital. Rather than staying in America with no family support he was airlifted from the mountain by helicopter, taken in an air ambulance to JFK and repatriated back to London on Concord.

All this was covered by his travel insurance. Turns out it was money very well spent!

Get an easy quote

If you’ve been in Bob’s shoes before and thought of skipping travel insurance because “it’s another cost”, why not try this handy quote checker from World Nomads? You’ll get a price in seconds with a clear indication of what it covers.