The purpose of travel insurance is to cover the cost of the unforeseen, such as injury and illness or theft of your personal belongings while you are on holiday.
It’s also designed to cover you if you have to cancel your trip before you go, or if you need to return early due to an emergency.
When you have booked a holiday, please do not leave travel insurance on your “to do list”. It is an unnecessary risk.
Travel insurance does not cover only the trip itself, there are many things that possibly can go wrong before you even leave. For example injury or a death in the family could be reasons for cancellation.
What Will be Covered by my Travel Insurance Policy?
Accidents and injuries as well as any unforeseen illnesses will be covered. Receiving medical treatment overseas as well include dental emergencies and repatriation to Spain.
If for some reason you have to cancel your holiday and return early, your travel insurance will cover that. In any case, there should be a legitimate reason for you to terminate your trip. If you simply decide that instead of Rome you would rather go to Paris or you simply want to return to Spain because your friends are throwing an insane party, your claim will possibly be rejected.
You will be covered for significant flight delays and lost flights, trains etc.
Protection of others and their property from mishaps you may cause while on vacation. For instance, the personal liability component of your protection would cover you if, during a skiing trip, you collided with another skier and harmed them.
Personal Belongings and Baggage
When you are on a holiday and your stuff is damaged, stolen or lost travel insurance will cover you. Nearly all that you take with you on your trip like expensive clothing, laptop, tablet, cameras and iPhone is included. As well as for the loss of your travel documents and passport.
Yearly Health Insurance Cover
If you are thinking to travel more than once in a 12 month period, to save costs you should also consider a Annual Travel Insurance rather than two single-trip covers. Yearly cover will protect you for an unlimited number of trips over a 12-month period.