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If you're going on holiday this year then getting solid travel insurence isn't just a good idea, it's essential. Medical bills abroad can be extremely costly and it's simply not worth taking the risk. You needn't break the bank though, provided you're prepared to compare travel insurence quotes and shop around a bit to find the best deal. Here are some points to consider:
Annual cover
If you're overwhelmed each time you look online to compare travel insurence and find the process irritating and repetitive, it can be easier to get annual cover and then not worry about travelling for a whole 12 months. Especially if you're going to take three or more trips abroad in a year, annual cover is definitely the way to go, as you can often save yourself money as well as time.
Ski trip extras
If winter sports are your thing, make sure that your travel insurence covers you specifically for skiing and snowboarding. A normal travel insurence policy will not be sufficient on the slopes and will not be valid for a claim if you injure yourself. It's worth taking the time to compare travel insurence quotes from sports specialists who deal specifically in winter holidays for the best prices.
Excess charges
When you compare travel insurence you need to have a look at how much excess you will have to pay should you get injured, require medicines, lose your luggage or have your money stolen. Some insurence companies charge as much as $200 for excesses, which is fine for a large medical bill but not so good if you lost your $60 handbag. Excess charges can be as low as $30, which can make a big difference to your claims.
Cover limits
Not only do you need to check the excess limit, your cover limit is essential when you compare travel insurence. No policy worth its salt will have a cover limit of less than $1 million. This should be the absolute minimum, but you can get much higher limits. Again, particularly if you are skiing, a much higher cover limit is recommended, between £3 million and £5 million should be fine.
Don't rely on EHIC
You need to find a comprehensive travel insurence cover for your travels abroad. Whilst the European Health insurence Card (EHIC) can help reduce the costs of medical treatments in Europe, the only way to make sure you are going to get adequate medical treatment abroad is to compare travel insurence and get a decent policy.
Kym Chambers has 2 years experience in the Travel insurence industry. She enjoys writing articles on various topics.
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