Travel Insurance Plans Are Really Crucial
When I worked in the travel industry I used to find it frightening the amount of people who would ask me ” Do I really need travel insurance ? ” . I even know that some people went on holiday with their families without proper travel insurance ! This is pure madness in my opinion.
Many people think that their credit card covers them for travel insurance or the E111 form ( or European medical card ) provides good cover. However this is often not the case with most credit cards as they don’t cover you for certain things so you should buy proper travel insurance if in any doubt.
In the past only travel agents sold travel insurance policies and even in some cases insisted that you had to take their cover to book the holiday. New legislation came into force and this was good news for customers who now had some very competitive quotes.
You should book your travel cover immediately after or maybe during the transaction as you may not be insured for cancellation if anything occurs prior to you journey. An example of this could be that you booked your holiday on the Wednesday and the following day you break your back and are unable to travel.
You were going to book travel insurance over the weekend but had your accident first so you are probably not covered for cancellation . Your tour operator may allow you to amend to a later date if you are lucky but if you are travelling in the next few weeks you may have lost all your money.
Surprising things can take place which impact your holiday break , like a family member becoming sick and that means you should ensure you buy insurance immediately after booking your holiday and don’t leave it until the last minute.
An annual vacation insurance policy might save you money as you’ll be able to use it on a handful of holidays per year with your family.