Don’t Gamble With Your Holiday, Get Travel Insurance

October 5, 2007 By

When it comes to investing in travel insurance for your holiday, there will inevitably be doubts over whether or not it is actually necessary. Most holidaymakers experience no problems at all on their travels, and having spent so much on the trip itself the extra cost of insurance might not be too appealing. But this is not a time to take risks; you’d be gambling with not only your money but also your health and your possessions. So many things could go wrong with your holiday that you might be glad you played it safe and shelled out that little bit extra for travel insurance.

Cancellation insurance: You could get ill or miss your plane, or the company you booked your holiday with could go bust. Having travel insurance means you avoid paying for a holiday that you never got a chance to even go on.

Baggage insurance: There’s few things more frustrating than arriving at your destination airport and discovering that your luggage hasn’t arrived with you. Whether or not it eventually surfaces, you’ll be glad you paid for insurance if this happens. And it happens more than you might think.

Healthcare insurance: Getting treatment abroad can be a nightmare without the adequate insurance, so don’t take it for granted that you’re automatically covered when you go on holiday. Health care abroad can be expensive, and some hospitals won’t let you leave until you’ve paid!

Theft coverage: Having your belongings stolen while on holiday, be it by pickpockets or while you were in the pool, is never a pleasant experience, but without travel insurance a bad situation becomes even worse. Be wary, too, that basic travel insurance may not cover the theft or loss of your credit card. Being such an important thing on any holiday, it is well worth checking that you are covered in the event of it being lost.

Sports insurance: Most insurance companies don’t cover you for more sporty or adventurous holidays in their basic packages, so it pays to pay attention to this if you’re engaging in less mundane activities on your trip, be it surfing, paragliding or rock-climbing. If you’re going to be engaging in activities that are a little more dangerous than your average walk down the beach, then it makes sense to get covered. After all, you never know what could happen.

Terrorism: Given several high profile terrorist attacks on popular tourist destinations in recent years, this issue is now especially relevant to travel insurance. It is worth delving into the particulars of your insurance deal just to check what would happen in the unlikely event of a terrorist attack, increased risk of attack or outbreak of war.

In short, so much can happen on your holiday that it is worth covering yourself from every angle. It might just be the most sensible thing you ever did. Take a look at Go Travel for some low priced travel insurance, while AA also comes as recommended for annual travel insurance cover.

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