How to Know a Good Single Trip Travel Insurance Policy

Not all single trip travel insurance policies offer the same features; while some are outright, honest and transparent, there are those that hide the real state of things – and how much coverage they actually provide – by fudging the wording in the fine print or performing the insurance policy version of a magician’s ‘sleight of hand’ and clever misdirection. To help you easily determine if you’re getting a good policy, here are some areas you must examine.

Medical Expenses

There is probably no single trip travel insurance that does not offer medical coverage, such as providing financial assistance if you encounter a medical emergency during your travels. The difference, however, lies in the extent of the coverage – how much the insurer is willing to provide and how clear are its terms in providing it. For starters, a good policy should provide cover for emergency medical or surgical treatment while you’re abroad, and given the current inflation rate, the amount of cover should be no less than £1 million if you’re travelling throughout Europe, and no less than £2 million if you’re visiting the USA. Of course, this should include cover for getting you back home for the same medical reasons. It is important to note, however, any medical treatment that is not urgent or an emergency (meaning it can be performed when you’re back in your home country) is not usually included in the cover.

Travel-related Cover

Many things can happen between that time you buy your flight ticket and single trip travel insurance and the date of your actual departure, and the best policies out there should provide cover for eventualities that may happen during the said interval. For example, something might arise that compels you to either cancel your scheduled trip altogether or at least significantly shorten it. A good policy would not only provide cover for this, but should also do so for at least £2,000. You should also check out the insurer’s terms regarding missed departure. Do they cover the cost of additional accommodation and other related expenses (this should be at least £500) if you miss your flight (or other means of transport) due to events that are beyond your control, such as an accident or weather disturbances?

Personal Liability

Your single trip travel insurance policy should also protect you from having to pay exorbitantly (or pay at all) for damages you have accidentally caused to others. To illustrate, let’s say you’re on a skiing holiday and somehow you lose control and injure another skier. This aspect of the coverage should be no less than £2 million – even more depending on your destination and what you intend to do while you’re there. On a related note, there are now insurers, such as the UK’s Insuremore, that provide full automatic coverage against acts of terrorism.

Cheap Single Trip Travel Insurance Takes Care of Health and Luggage

When making plans to take a trip for your next vacation it is very easy to believe you won’t need insurance for a cheap single trip. Insurance is a necessity because no matter how carefully we plan our trip there is no guarantee that things will go one hundred percent smoothly. It really is much better to realize there is a small chance that something unexpected may occur.

Something could go wrong with your health. It may not be very serious but if you need medical attention in a foreign country it is going to cost a great deal. No matter where you are in the world, good medical care is expensive.

Your child may fall and break an arm or suddenly develop full blown measles. Not only do you want medical care but you want the best. If you have cheap single trip travel insurance then you will know exactly how much money is available to you in this situation.

In fact, it is very likely you will be in contact with a representative of the travel insurance company to advise you through the procedures.

When compared to illness or sudden accidents then the loss of luggage does not seem as important. However, just because you don’t need medical care does not mean you have to put up with losing your assets. Luggage is a necessary part of traveling.

It is very common to fill your luggage with curios, gifts and other luxury items. There isn’t an airport in the world that does not have to deal with its fair share of lost luggage. More often than not, lost luggage is never recovered and simply remains lost.

Don’t forget, it is not only the contents of your luggage that you will be covered for but also your actual luggage. Nowadays, decent luggage that can take the rigors of travel is expensive. Cheap single trip travel insurance will cover this.

Insure Your Adventure – The Single Trip Travel Insurance Checklist

When preparing for an amazing journey there is plenty of preparation required. But perhaps the most important item on your checklist is the purchase of a good single trip travel insurance policy. While it may not be the most exciting thing in the world, you’ll have enough excitement later that will more than make up for the drudgery of reading through the fine print of a policy.

So, what exactly are you looking for? Even a simple single trip travel insurance policy can cover every aspect of your adventure, but you will need to choose wisely and make sure it has everything you need.

Here are just a few things you might need to look for in a policy to make sure your fun and excitement won’t come at a cost you haven’t bargained for.

Delay and Cancellation. Many of the most basic single trip travel insurance policies include coverage should your flights get cancelled, or a flight delay causes you to miss a connecting flight. In those cases when airports suddenly have a rash of cancellations, you can at least have some of your expenses (such as airport hotel stays and food) covered by your policy.

Medical Insurance. This is usually the primary reason to purchase a policy before going on holiday. Should the water in, say, Mexico disagree with you and you need to be rushed to a hospital for intensive rehydration, or you find yourself suddenly having an allergic reaction to peanuts in America where medical care is pricey, this provision can make sure your medical expenses are covered and that they will fly you back home if necessary.

Sports Injuries. Even if you’re a breath away from being a professional skier, or do lectures on hiking back home, accidents do happen, regardless of skill level. If you do plan on doing any adventurous sports, ensure your single trip travel insurance policy covers any activities where there is even the most remote possibility you may need to be helicoptered to a hospital!

Luggage and Equipment. After all that time spent polishing up your equipment and buying expensive cases to make sure it never gets scratched, imagine how it would feel if something suddenly disappeared in transit? If you have expensive gear, you will want to check your coverage includes all your stuff or if you need to take out extra for more expensive or specialised equipment. You should also check for conditions that apply to high value items and be aware of any exclusions that might apply.

While part of the fun of a holiday is the occasional surprise, it’s not pleasant when it involves hospitals or police reports! With an appropriate policy in place, at least some distress from those unpleasant surprises can be alleviated.