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The lowdown on travel insurance
Before you book your holiday, check out this essential advice from the Association of British Travel Agents on which travel insurance to get, what questions to ask your insurer and getting the right policy for your needs.
ABTA travel agents are trained to sell travel insurance. They are often the best people to sell it to you, because they already know exactly what you are planning to do on your trip and can assess what insurance policy is right for you and your family.
If you buy travel insurance when you book your holiday, it means that if you fall ill or have an accident and have to cancel your trip as a result, your travel insurance will cover you.
Mike Monk, Head of ABTA's Financial Services says:
"Of course people will shop around for travel insurance, but ideally you want cover from the moment you buy your holiday. The longer you delay, the longer you are not covered."
"On the whole, annual multi-trip insurance policies are cost effective if you are planning to do more than three trips a year, but they usually have a limited number of days you can travel for. So they are not what you want if you are doing a round the world trip lasting a few months."
"There are lots of factors - not just the price - you should consider when buying travel insurance. But whether you get a one-off travel insurance 'product', or an annual multi-trip policy, the most important things to look out for are whether the terms and conditions are what you want and whether the policy adequately covers you for what you will be doing."
It's important that the person selling travel insurance asks about pre-existing medical conditions and it's important for you to declare any conditions you suffer from. Travel insurance should cover: Market surveys show that many people don't take insurance. People believe that their credit card accident cover, home insurance, or private health cover is sufficient. However, it is unlikely that these will give adequate cover. If you make several trips each year, consider taking out annual multi-trip insurance to save time, money and effort. Shop around. The cost of travel insurance varies widely, so shop around to find a good price and the right product, rather than opting to travel without cover. Bear in mind that a cheaper policy may have less cover. Use our Know Before You Go Current Partners page to find links to insurers. Know what your policy covers and check that the cover is adequate.
If in doubt ask your insurer.
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