While the holidays are once again on the card, the pandemic isn't over yet, and there is still much uncertainty.
Travel insurance is now more important than ever before. When purchasing coverage for your trip overseas, be sure it includes Covid-19 protection.
While coverage for Covid-related occurrences should be your top priority, it's also critical not to overpay for your policy. We can assist you to make sure your insurance provides the coverage you require without breaking the bank.
Here are 4 things you need to know…
Check You're Covered for Covid
When purchasing travel insurance, make sure to read the cancellation clause carefully in case you need to make a claim for a vacation that was cancelled or cut short due to Covid.
If you get sick with coronavirus, have to self-isolate, or the government's travel advice changes, make sure you're insured for Covid-related inconvenience. Read the terms and conditions to see if you're reimbursed for medical expenses if you contract Covid-19 while you're away.
Check if you're protected if you test positive for Covid before returning to the UK and need to extend your stay, which will cost you more money in lodging charges.
If you have any questions about a policy's coverage, contact the insurer for clarification.
EU Only and Annual Cover
If you plan to go abroad more than three times a year, an annual policy that covers limitless excursions and vacations is likely to be less expensive than a per trip policy.
If you are simply traveling to Europe this year, European coverage is usually less expensive than worldwide coverage.
Your Bank May Have your Back
Travel insurance is one of the 'perks' that certain bundled accounts offer in exchange for a monthly premium. It's also a feature on some credit cards.
However, if you have coverage through your current account or credit card, you should contact the provider to find out whether coronavirus-related occurrences are covered.
Trim it Down
Whether your house insurance already covers your possessions while you travel, investigate if you can drop baggage coverage from your travel insurance policy to save money on your premium. Don't buy gadget insurance if you already have coverage for your devices.
If you're going on a pleasant beach vacation, there's no use in paying for 'extreme sports cover' or 'winter sports protection,' because it won't be useful.
Get your free GHIC
A UK Global Health Insurance Card (GHIC), which replaces the former EHIC, entitles you to free or reduced-cost medical treatment in other EU nations.
It's not a replacement for travel insurance, but it can be a beneficial addition to your coverage because it allows you to receive the same treatment as locals at state-run hospitals and GPs.