A recent article in The Telegraph gives us the terrible story of a family stranded in Berlin when their flight was cancelled. Their travel insurance was purchased online and they had omitted to tick the crucial box that would have covered them for “travel disruption on the journey home” which was an add-on to the standard policy. Therefore they were left severely out of pocket in finding the alternative flights to get them home.
So how can you make sure that you have got all the travel cover you need?
When you buy a policy online from any travel insurance provider it is essential that you check the cover options available to you. Remember, the cheapest travel insurance options are often not the most comprehensive and there are many things that will be offered as an add on to your cover rather than within the core part of the policy.
Typical “additional” cover options are:
- Cover for winter sports such as skiing and snowboarding
- Hazardous Activities
- Cover for golf equipment
- Travel disruption
- Business cover
- Cruise cover
When you buy a policy online it is easy to miss elements that you think are included and therefore to prevent any issues when you need to make a claim it is always advisable that you read the Terms and Conditions of your policy prior to making the purchase. When you receive your policy documents, again, make sure you check the cover levels you have bought and let your insurance company know immediately if you are in any doubt or have any queries.
If you have travel insurance attached to your bank account then make sure that you fall within the criteria they set. In some cases there may be upper age limits that apply.
If you are looking for a provider of travel insurance then the Medigest business directory can provide you with specialist travel insurance providers, even for people who have pre-existing medical conditions.
For the full article from The Telegraph relating to the family in Berlin please see the link below: