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Guide to buying travel insurance
As most holidaymakers will know, travel insurance is an essential part of preparing for an upcoming trip, but there are so many policies on offer that narrowing it down to just one can sometimes be a bit perplexing. With this in mind, we thought we would put together this travel insurance guide to help you pick the perfect insurance for your needs.
The first and most important thing to consider when choosing a travel insurance policy is the type of getaway you are planning. It doesn't matter whether you are opting for a fortnight on the beach, embarking on a once-in-a-lifetime round the world trek or just jetting off on a whirlwind weekend, travel insurance is essential. However, different types of trips have insurance requirements unique to them.
If you are planning on staying away for more than three months, a long stay travel insurance policy is ideal. As this type of insurance can cover you for up to 18 months, it is a great option for the more adventurous traveller, or those with a spontaneous streak.
As well as looking at the holiday itself, it is also worth taking into account your overall travelling habits; if you are something of a jetsetter, or even just like to get away more than once a year, taking out an Annual Travel Insurance policy could be the best deal for you. However, if the holiday is a rare treat, then Single Trip Insurance is likely to be your best option.
Travel insurance is not just for those enjoying a holiday abroad, with travel insurance still being a necessity for jaunts in the UK. Although it may not seem apparent at first (especially with the NHS on our doorstep), UK travel insurance not only means that the option of private treatment is available if necessary, but it also protects you should you book a cottage or hotel and are unable to attend for an unforeseen reason. This ensures that you will not lose the money already paid for your holiday.
People head abroad for different reasons, with some wanting nothing more than to flop on a poolside sun lounger for a fortnight, some like to sightsee, visit art galleries and experience the culture, while others opt for action-packed vacations involving hiking, cycling and more daredevil activities. The adrenaline junkie is going to have very different insurance requirements to the beach dweller or sightseer, and this is something to be reflected in insurance packages. Holiday makers can tailor their insurance package to meet their own needs, which will ensure those seeking a relaxing holiday get the best deal for them while those with a busy itinerary can secure specific cover to suit their needs. It is worth noting, however, that with all travel insurance policies there are limitations to activities that can be covered. For example, Staysure’s travel insurance will cover hikers up to a maximum altitude of 2,000 metres – an ample amount for the average hiker, but it wouldn’t cover a Mount Kilimanjaro climb! It is therefore essential to check any limitations that may apply to your preferred activity or sport before purchasing your travel insurance policy.
Although travel insurance is a necessity for every holidaymaker, if you have a pre-existing medical condition you will be more aware of the importance of securing a policy that meets your needs. In these cases, medical travel insurance is a fantastic option. There is no reason why people with certain conditions should not be able to see the world or treat themselves to a holiday, and medical travel insurance enables you to enjoy your getaway without worrying about what you would do if something goes wrong.
With this type of policy from Staysure, customers benefit from having 220 pre-existing conditions covered at no extra cost, with the most serious ones being covered through medical screening. Here at Staysure, we appreciate that every customer is an individual and tailor make insurance packages to cater to your own requirements. Conditions including, but not limited to, high blood pressure, asthma, diabetes, arthritis, cancer and heart problems can all be covered via our easy screening process providing customers peace of mind and allowing them the freedom to enjoy their holiday.
How much to insure your baggage for is an often asked question, with the answer largely depending on where you are travelling to and how expensive your items are. For example, for those travelling in the UK you may find that your belongings are covered on your home insurance (with some home insurance policies extending this cover to include Europe). However, for more far-flung destinations the baggage cover needed may significantly increase, especially for long stay trips. You’ll be pleased to know that Staysure’s baggage cover can be extended to £2,000 with the option of insuring a single item up to the value of £1,000.
To make sure you get the best cover possible, it is important to ensure you look for a policy that specifically caters for your age as most standard insurance providers will increase their prices travel insurance over 65 quite considerably. Staysure specialises in insurance for over 50s, meaning our prices are highly competitive and tailored to ensure the mature traveller enjoys value for money, as well as their holiday.