When planning a holiday with your family it is absolutely vital that you invest in quality travel insurance for you all before you depart. Family holidays can be expensive, and sometimes travel insurance gets pushed to the bottom of the priority list, however, without travel insurance you leave yourself and your loved ones vulnerable if you have a holiday disaster.
To make sure your family are properly protected on holiday, here are our top tips for buying affordable and quality Family Travel Insurance;
- Make sure the insurance will cover you for the entire duration of your trip.
- Make sure you choose the correct cover for the country you are visiting. For example, many companies ask you to choose from Europe, World Wide Excluding and World Wide Including, make sure you pick the correct option. Ask the company if you are unsure.
- Does the policy actually meet your needs? Check the levels of cover offered carefully to avoid being left out of pocket.
- If you are thinking about or planning to participate in activities such as scuba diving or golf during your trip, are these are covered?
- Many insurers offer free cover for children, shop around to make sure you get a good deal and quality cover.
When you buy any travel insurance policy you should check that;
- Make sure you have declared any pre-existing medical conditions, and make sure your policy covers them. If you have not declared your conditions you will not be covered for any subsequent bills.
- The insurance includes at least two million pounds of emergency medical cover and repatriation (£5 million if travelling worldwide). This may seem extreme but medical treatment abroad can become extremely expensive.
- The policy covers the costs of emergency items of clothing if your bags are lost by the airline.
- The cancellation cover is enough to cover the pre-paid costs of your trip.
- The policy covers your baggage and personal possessions if they become lost, damaged or stolen.
- Once you have purchased your policy, you will usually be given 14 days to read it through and check that it covers your particular needs.
- Most importantly, ALWAYS read the small print.