Travel Advice

Why Travel Insurance Is So Important

We have a serious post for you today, but something you definitely should think about. Next month we have to buy travel insurance. If you travel even once a year abroad or even in your own country, then you should get travel insurance, especially when circumstances could mean you would be seriously out of pocket if something goes wrong.

Money Saving Expert state that 1 in 5 brits jet off with no travel insurance, risking thousands in medical bills. That’s insane.

Travel insurance is a Godsend when something unexpected happens. Things happen and you may need to cancel your holiday. This is why it is important to have insurance from the moment you book your holiday.

There are a number of areas of travel insurance that you need to consider, and the important ones are below.

Personal Accident

Personal Injury - Travel Insurance

To be covered for personal accident costs is so important. Did you know that the average cost of medical treatment abroad is over £2000? However, if you need medical treatment is the USA this could be much much higher and run into the tens of thousands of pounds or even more. Therefore travel insurance that covers getting you home and medical expenses too are essential. Can you imagine what would happen if you fell while hiking, for example?

Sports cover needs to be examined as well, and sports such as skiing, scuba diving and extreme sports will need extra cover.

As you get older too, travel insurance for the over 65s can get more expensive,  but it’s always worth it. The Money Advice Service state that 1 in 3 claims on travel insurance is for medical treatment. With that in mind, it’s just not worth scrimping on travel insurance, is it?

Theft

Backpack Theft
Can you imagine having your purse, laptop, phone or luggage stolen? Doesn’t bear thinking about, does it? Almost all travel insurance will cover you for this but double check the amount and the excess. If you have a large excess to pay it may not be worth claiming if a theft happens. If you have a smaller excess then the price of the insurance is generally higher. You have to weigh this up. Also check that money is also covered and the excess on this.

Personal Liability

Car Accident Insurance

Should you cause an accident that affects either a person or property you may well be liable. A personal liability clause will protect you in the event of a legal claim. This is something you should always check you have. Legal costs can be extortionate and if you are not covered be prepared to spend thousands.

Legal Expenses

Ski Insurance

This covers legal help if you make a claim for compensation due to injury accident or death. This is often an add-on but should be considered unless you want a huge bill if something does happen. Is it worth scrimping on your insurance and not getting legal expenses cover?

Of course one of the major reasons that you take out travel insurance is for the peace of mind this gives you, so we recommend you do take it out. You can then relax and enjoy your holiday in peace.

Do you have any experience of claiming on travel insurance?

*PR collaboration

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  • Sally Akins
    January 25, 2018 at 1:55 pm

    I completely agree! We were stuck in Portugal in 2010 when the volcanic ash kept all the flights grounded and had to hire a car to drive home. Our basic travel insurance helped to cover our additional costs, but I’ve always made sure that we’re properly covered since then.

    • Mr and Mrs W
      February 2, 2018 at 10:22 am

      I bet that was a nightmare. So reassuring and helpful to have travel insurance in that situation.

  • michelle twin mum
    January 25, 2018 at 2:56 pm

    Gosh it really is insane to think that some people travel without the appropriate insurance. Our bank were bugging us to upgrade our account this year and as soon as I realised we got great comprehensive travel insurance as part of it for all the family, I did it! Mich x

  • Rosie
    January 25, 2018 at 2:56 pm

    Omg I couldn’t agree more. Having had more than my fair share of accidents abroad, I’d be bankrupt by now if I hadn’t had insurance. Great blog btw x

    • Mr and Mrs W
      February 2, 2018 at 10:23 am

      Hi Rosie, thanks for the kind comment! If you are accident prone it’s all the more important, isn’t it?

  • Lucy Dorrington
    January 25, 2018 at 4:33 pm

    I have just booked my travel insurance, I would be way too nervous to travel without it!

  • Joanne
    January 25, 2018 at 7:03 pm

    Great post as we are just looking at holidays abroad and I’d not thought too much about travel insurance.

    • Mr and Mrs W
      February 2, 2018 at 10:24 am

      It can be surprisingly cheap too.

  • Olivia
    January 25, 2018 at 7:30 pm

    I couldn’t imagine travelling without travel insurance, far too risky. Even though nothing bad has ever happened whilst I’ve been away. The time I don’t get it, I bet it will!