Editor’s Note: This post is brought to you by our friends at Endsleigh.
It’s that time of year again: across the country thousands of people are beginning to panic about holiday plans. They are either worrying about spending the money or, having spent the money, worrying whether they have everything organised and not missed out anything important. However, for many people there is one vital bit of holiday preparation they are missing out: travel insurance.
Travel insurance is becoming a bit of a hot topic this year with the population very much divided over whether it is a waste of money or something that could save you money in the long run. So what exactly does travel insurance cover you for?
The list of events holiday insurance will cover you for is varied and includes a huge range of illnesses, disasters and general problems that holidaymakers might face. A key event is lost or stolen baggage, wallets, electrical equipment or cash. No matter how it is lost, travel insurance will cover the replacement of all of these things.
If you find for any reason, be it a family bereavement, illness or even if the holiday company goes bust, you cannot actually go on your holiday you don’t want to still be paying for it. This is also covered by travel insurance policies: a good policy will ensure that you do not have to continue to pay for a holiday that, unfortunately, you didn’t manage to go on.
One of travel insurance’s most important aspects is its cover of medical bills. With the NHS we don’t really understand how much procedures cost and tend to take them for granted. If you are injured abroad you could end up paying a small fortune in medical bills to get better. Travel insurance cover will pay all of these, meaning you never need worry about the cost of going to hospital.
Of course many of us never use our travel insurance cover and it is because of this many feel it is unnecessary. However, the one time you do need it you will be glad you have it. Think of travel insurance as a safety net; it is comforting to know it is there. This is even more so when traveling for sustained periods of time, and annual travel insurance would certainly be an important investment for anyone.