I recently posted some tips for a great family holiday, it is that time of year after all, talking about all the ways we can make the most of our time away together. Unfortunately, as well as planning for fun we also need to plan for the worst, especially if we’re travelling with children. The Foreign Office website is a really useful resource for all sorts of information on traveling and they have a section that gives some great advice about what you should look for in a Travel Insurance Policy.
The FCO advises that the European Health Insurance Card (EHIC) doesn’t always cover everything you might need, although you should still get one for travel in Europe. You should try to find a policy that covers:
- medical and health cover for an injury or sudden illness abroad
- 24-hour emergency service and assistance
- personal liability cover in case you’re sued for causing injury or damaging property
- lost and stolen possessions cover
- cancellation and curtailment (cutting short your trip) cover
- extra cover for activities that are commonly excluded from standard policies, such as jet skiing if you need it
They also point out that you should be aware of any exclusions in your policy. Most policies won’t cover you for incidents relating to drink or drugs or if you haven’t taken proper care of your possessions. Around 60% of policies also don’t cover you against acts of terrorism so it might be a good idea to check for that.
Make sure you shop around for a good policy like Allianz Global Assistance Family Travel Insurance and really compare the details of each before you make up your mind. You don’t want to save yourself £5 but then find that you’ve missed out on cover for something important. If you travel more than once a year then a multitrip policy will probably be the most cost effective and you will also probably find a family policy will be cheaper than individual policies for each of you.
One final word of warning, don’t be tempted to keep quiet about any pre-existing conditions. It could mean your insurance won’t be valid, leaving you with a big bill if the worst happens.
[Note: This post is brought to you by Allianz Global Assistance]