Medical expenses and emergency assistance can be costly and traumatic while being overseas on holiday. Holidays should not be risky business – that is why we always recommend having the right travel insurance so you can enjoy your adventure. Travel insurance can help ensure peace of mind on your holiday, it could cover anything from a sprained ankle to a major accident.
A good start would be to compare travel insurance policies using a comparison engine like Insurance Comparison.ie. Here you can compare a vast variety of policies and benefits on one page so you are sure to buy the best cover for your trip. First of all, make sure you are covered for the activities you plan to do on your holiday. If it’s horseback riding or snorkelling ensure your policy states that you would be covered in the unlikely event that something does go wrong. Also pay close attention to the policy exclusions.
The medical benefits included in travel policies are often the most important part of the policy especially when it comes to claiming. The medical cost for transportation and assistance can be exorbitant and crippling – ensure you have the right cover for your needs here. It’s important to note if pre-existing conditions would be included or excluded in the policy you are considering to buy. Ensure you declare any pre-existing conditions like heart disease and check if your policy contains restrictions regarding that condition. If you do not declare pre-existing conditions and something does go wrong on your trip there is a possibility that the policy will not payout.
Travel insurance will also give you peace of mind if you need to cancel your trip if you suddenly fall ill or someone in your family gets ill or passed away. Single trip travel insurance coverage goes into effect immediately whereas annual multi trip is only effective from the start date of the policy.
All travel insurance policies have specific benefits and exclusions, it’s necessary to take the time to read the policy wording carefully before committing and buying travel insurance policies.