Guide to 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 guide to travel insurance to help you pick the perfect cover for your needs.
What type of travel insurance should you get?
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.
When to buy travel insurance
It’s important to buy travel insurance as soon as you’ve booked your holiday as it can cover you against cancellations from the moment you’ve paid your premium.
If you’re taking out a single trip policy, cover for cancellation starts at the time you book the trip or pay the insurance premium, whichever is later. Single trip policies from Staysure can be purchased up to 13 months in advance of your holiday.
If you have purchased an annual multi-trip policy, cancellation cover starts at the time that you book the trip or the first day of the period of cover as shown on your Validation Certificate, whichever is later. A Staysure annual policy can be bought up to 90 days before its intended start date.
What if you’re holidaying in the UK?
Travel insurance is not just for those enjoying a holiday abroad and is 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.
Make sure your insurance suits your lifestyle
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 2,500 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.
For golfers and skiers, it is worth considering additional cover options which can cater for everything from unused course fees and piste closures to lost golf clubs or skis. Staysure offers both optional golf cover and optional winter sports cover which can be added to our Comprehensive Insurance policies.
Cover your pre-existing medical conditions
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.
Here at Staysure, we appreciate that every customer is an individual, so we tailor make insurance packages to cater to your own requirements. Conditions including, but not limited to, high blood pressure, asthma, diabetes, arthritis and cancer as well as heart problems can all be covered via our easy screening process, providing customers with peace of mind and allowing them the freedom to enjoy their holiday.
Think about your baggage and gadgets
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 £2,500 with the option of insuring a single item up to the value of £1,000.
It’s also important to think about your holiday gadgets – a must for most people. Snapping quality pictures, keeping in touch with loved ones back home and reading or e-books have become part and parcel of a great holiday.
Staysure’s optional gadget travel insurance can be added to our Comprehensive Insurance and provides up to £1,000 of cover for accidental, liquid and malicious third-party damage as well as unauthorised use such as calls and data use after the item was lost or stolen.
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 providers will increase their travel insurance for over 65’s 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.
Get a travel insurance quote online or speak to one of our specialists on 0800 033 4902.