When travelling anywhere outside of the UK it’s best to make sure that you have travel insurance. This will cover your costs if anything happens to you and there’s a problem while you’re out there. It’s not something most of us want to think about when we go on holiday, but it’s something that all of us ought to consider before we do go, so that we’re covered ‘in case’. Some people mistakenly think that their personal health insurance will cover the costs of any emergency treatment they need when abroad, but this is often not the case, so if you think yours does, then please, before you assume anything check!
Apart from anything else, travel insurance isn’t just about emergencies regarding your health. It can also cover you for other things such as personal liability cover in case you are sued for causing injury to someone or damaging property. It can cover lost and stolen possessions, cancellation or curtailment of your trip, and extra activities such as jet skiing or climbing. When you choose your policy it is important that you make sure you are covered for anything you need to be, so if you are going climbing but not jet skiing then, make sure that climbing is covered but not jet skiing.
There are two main types of travel insurance that are available when you are holidaying. The first is single holiday insurance. This covers you for a single trip somewhere – i.e. one holiday. It’s the sort that most of us take if we only travel once a year for our annual holiday. The second type of insurance is annual travel insurance. This is more sensible if you travel abroad regularly throughout the year. If you are making just a couple of trips then it’s worth looking at both sorts and comparing the costs for you personally based on where you are going to be travelling. This way you ensure that you get the best deal you can. After all, you don’t want to be spending more than you have to, but you do want to make sure you are thoroughly protected.