Travel Insurance Guide for Grandparents

When most people think about their grandparents, they remember fun outings and trips to castles or the seaside. Now grandparents are getting younger and are taking their grandchildren on more frequent and longer holidays to give parents a break and to spend some quality time with them.

However, a study found that over a quarter of Grandparents do not invest in travel insurance when they take their grandchildren on holiday.

If you are planning to take your Grandchildren abroad, you must invest in a travel insurance policy which covers all of you. To make sure your family are properly protected on holiday, here are our top tips for buying affordable and quality Travel Insurance;

Does the policy actually meet your needs? Check the levels of cover offered carefully to avoid being left out of pocket.

• Make sure you choose the correct cover for the country you are visiting. For example, many companies ask you to choose from several destination packs, including Europe and World Wide, so make sure you pick the correct option. Ask the company if you are unsure.
• Make sure the insurance will cover you for the entire duration of your trip.
• Many insurers offer free cover for children, shop around to make sure you get a good deal and quality cover.
• If you’re thinking about or planning to participate in activities such as tennis or golf during your trip, are these are covered?

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 cancellation cover is enough to cover the pre-paid costs of your trip.
• 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 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.
• The policy covers the costs of emergency items of clothing if your bags are lost by the airline.
• Most importantly, ALWAYS read the small print.