Insure your Travel, Gain Peace of Mind
When you go away on holiday, a business trip, or travel for any reason, there is a list of things you need to remember of both organise and take with you. You know the kind of thing I’m talking about – passport, visa, mobile phone etc, but do you give much thought to the ‘what if’?
I am of course talking about travel insurance, the one thing you should never attempt to travel without.
Insurance of any kind is quite a boring subject, and not something you really get excited about purchasing. I guess this is because it’s not something you can physically see or hold, so you don’t really feel like you’ve got anything for your money spent, but in the event of a problem, you will be very glad indeed that you took a little time out of your day to organise your policy.
There really isn’t much excuse to not sort out your insurance needs, and there is a policy to suit every budget and set of circumstances. Price-wise, you don’t need to pay a fortune for a good quality policy, with low prices for adequate cover; it’s simply a case of searching online, and a price comparison website is always the best place to head.
In terms of company, you’re always best going for a bigger name, because at least that way you have confidence, and peace of mind is something that can’t be bought. For example, there are some fantastic policies out there for travel insurance by Bupa, showing you that even the biggest names in the business don’t cost the earth. This should give you some confidence to head online and find a policy to suit you.
Now, we all know that you must remember to declare any pre-existing medical conditions at the time of organising your policy. Why? Well, in the event of a claim due to a medical problem, whether it is related to that problem or not, you could find your policy is null and void if you haven’t been completely honest. I’m not suggesting you declare every common cold and sneeze you’ve had since 1979, but anything major or of note needs to be declared. Don’t take the risk!
Another consideration is the geographical area you’re travelling to. For example, be sure to check with your particular insurance company that you are travelling within the area they class as Europe. Some companies include Turkey, some don’t, and there are other countries that fall into a grey area too. Your company will be able to give you a list of the included countries, and if yours doesn’t fall into this, you will need a worldwide policy to cover you.
It sounds complicated, but really it’s not. Simply search for your requirements, and ask if you’re not sure. Once you’ve found your ideal policy, book it, print it out, throw it in your hand luggage, and hopefully you’ll never have to look at it again!