The purpose of travel insurance is to protect you when things don’t go to plan. Our list of dos and donts is designed to make sure your cover is perfect for your needs:
Travel insurance dos
- DO cover yourself from the day you leave to the day you arrive back
- DO purchase cover as soon as you have booked the holiday – this can protect you against cancellation
- DO a travel insurance comparison before you book your trip. Travel insurance for pre-existing conditions can be more expensive, so it’s worth checking the cost first.
- DO tell your insurer if you’re taking a cruise, to make sure you get travel insurance for cruises
- DO add your travel companions to your policy, so they can claim if you or your pre-existing medical conditions cause any trip complications (and vice versa)
- DO declare if you are taking part in any activities such as skiing and snowboarding, and buy travel insurance for winter sports cover to protect you in case you have an accident
- DO check the excess on the policy you intend to purchase, and make sure the amount is affordable to you
- DO tell your insurer if you’re travelling to more than one country, even if you’re not stopping long
Travel insurance don’ts
- DON’T be tempted to omit vital information in the hope of saving money. It’s important to declare all your medical conditions. Failing to do so could result in a claim being refused.
- DON’T underestimate the importance of travel insurance for pre-existing conditions. Medical costs abroad can be very expensive.
- DON’T forget to tell your insurer about any conditions for which you are prescribed medications
- DON’T base your decision to buy travel insurance on price alone, but also the level of cover the policy offers
- DON’T forget to check the maximum duration per trip when buying annual travel insurance. If the limit is not enough, consider buying single trip cover instead.
- DON’T forget to buy travel insurance. Once you take off, it’s too late!