Travel Insurance Cover
If you are flying from Luton Airport to your holiday destination, it is a good idea to make sure that you have some travel insurance in place.
You need to buy your insurance early, otherwise you may not be covered for everything. This will also ensure you are able to get a good price.
Check out our Travel Insurance comparison site – it’s a helpful, friendly and comprehensive guide where you can find all the information you need.
It compares over 1500 policies to find you the perfect policy at a great price. Make sure your policy covers everything that you might get up to on holiday, accidents whilst abroad are horrible enough without adding insurance complications into the mix.
There is a massive range of holiday insurances and it is really important to get the right cover for your trip. The cheapest may not always be the best!
First of all, take a look at your travelling habits. Do you go abroad several times a year or more? If you travel more than about 3 times a year, it is probably worth looking at taking out an annual multi-trip policy. This can save you money if you are travelling frequently.
If you travel infrequently however, then a single trip policy is probably the best way to go. This will just cover you for the one trip that you buy it for.
Some companies specialise in certain types of policy and by doing this manage to offer them at reasonable prices. It is a good idea to look at your circumstances and see if you qualify – there are often great deals for families, groups, or even couples. Do be sure to check the terms and conditions of policies such as these however, to make sure the amount of people covered is accurate.
There’s also cover often called Backpacker or Long Stay cover. Most policies will give a limit on the length of a trip, so if you plan to be abroad for longer than this you will want to opt for one of these policies specifically aimed at people travelling for long periods of time.
Remember, if you have a pre-existing medical condition you must declare to the the travel insurance providers . There are many conditions that they won’t charge a higher premium for, but if something happened whilst on your holiday that related to a pre-existing condition and you hadn’t declared it in advance you could find yourself not covered.
Business trips can also require specialist insurance. This may entail replacement of any business equipment you are carrying, or covering the costs of sending a colleague to replace you if you are taken ill.
What to look out for
As a general rule of thumb, your policy should include:
- £2 million worth of medical experience.
- 24 hour emergency assistance.
- Cancellation and curtailment should be covered, from the moment you purchase insurance, not just from when your trip begins.
- Baggage cover is important, but do check your home or credit card insurance. You could have this already covered and therefore be able to save money on your travel insurance.
- Other things to look out for are cover for the financial failure of airlines, tour operators and booked excursions. With events in the last few years most insurance providers do try to offer this.