Comparing Travel Insurance Quotes

Comparing Travel Insurance Quotes

Every traveller before commencing on a trip, whether to the beach or up in the hills or elsewhere, makes a checklist of things to pack. And, he or she ensures if the passport and luggage are in place. But, they often forget about their travel insurance.

Travel insurance ensures a smooth and safe trip and in case of any untoward incident, the traveller is not left high and dry because of travel insurance. In fact, travel insurance is easy to check and compare online by just filling out details, such as travel destination, number of people travelling and their details. Just fill in a few details on our travel insurance comparison form about you, any other travelers and your destination and we will return prices within seconds. We compare quotes from over 30 providers to help you find a cheap price and a range of cover levels to suit your specific needs.

Travel insurance basic coverage provided

Regardless of the insurance plan or provider selected, almost all travel insurance policies in the UK entail the following coverage –

● Cancellation and curtailment
In situations where a traveller has to cancel his holiday or curtail it by returning home early, then the policy covers for the loss. The amount insured usually set us the total cost of the entire holiday which is reimbursed in case of a claim.

● Baggage and belongings
This covers the cost of luggage that is lost or damaged along with personal belongings. The coverage limit is £250—£500 for cash that is lost, £1500—£3000 for baggage and £500 for personal items, like camera, smartphone and laptop.

● Delay
When a flight is delayed beyond the specified time in the policy, which is usually 12 to 24 hours, then compensation is paid because of travel insurance. However, travellers need to obtain a written confirmation regarding the delay from the airline and maintain receipts of payments made or money spent owing to the delay.

● Medical expenses
Situations where travellers need to get immediate medical care at their abroad destination are one of the most expensive ones. The medical bill can easily run into tens of thousands of pounds or greater, determined by medical care needed and the country the traveller is holidaying in. A coverage of £1-£2 million is recommended for medical care by insurance pundits.

● Personal liability
This provides coverage to the traveller in situations where he is found to be responsible for damage to somebody’s property or injury to someone and the offended party makes compensation claims. Coverage upto £1 million is provided by standard policies.

Travellers must ensure that the policy selected covers all these points and also the circumstances and extent of coverage, especially for cancellation and curtailment.

Also, very few providers include coverage for preexisting medical conditions, such as diabetes. Travellers need special cover for such conditions which result in higher premium.

Types of special coverage

● Adventure travel
This covers high risk trips which might include bungee jumping, abseiling, rock climbing or winter adventure sports, like snowboarding and skiing. The premium for adventure travel policies is high and travellers need to opt for specialized policies.

● Annual travel
This is for those travellers who travel frequently and couple of times a year. They can purchase annual insurance that covers travel for the entire year and is cheaper than individual policies.

● Family travel
Family holidays can be covered through family insurance where certain insurance providers do not charge separately for kids below a certain age while some others do charge.

● Backpackers
This insurance is valid in multiple countries and for a long duration of approximately 18 months as compared to regular travel insurance which is only for either 30, 60 or 90 days.

● Older travellers
There are special providers for older travellers, usually above 50 years of age. The special insurance provides coverage for existing medical conditions along with higher claim limits for medical needs. However, premium is high for these policies.

Travel insurance policy comparison

Various travel insurance policies can be compared online by checking for premiums as well as various criteria like-

  • Policy excess
  • Medical coverage extent
  • Amount to be payed out
  • Above 50 years
  • Preexisting medical conditions

The conditions for excesses should be studied in detail as certain policies charge excess for each claim. For instance, for property damage and medical treatments separately, and for the same robbery incident where traveller might be injured.

Usually policies covering the same region are compared, where regions are grouped as-

  • Europe
  • Worldwide including USA
  • Worldwide excluding USA

Further providers listing a traveller’s destination can be shortlisted.

Choosing the right insurance

The key to opting for right and affordable insurance is to look for those policies that cover all the individual specific requirements, especially for specialist categories.