Travel Insurance

Important of travel insurance

The role and importance of travel insurance

Travel Insurance Benefits

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Medical expenses and emergency assistance
If you or someone you are travelling with falls ill whilst on holiday, the medical expenses section of your travel insurance policy is there to help cover your doctor and/or hospital bills. Perhaps you've previously seen reports in the news of individuals travelling without insurance and then needing medical care abroad.
Personal possessions and luggage
This section provides cover for loss, theft and damage for your bag or suitcase as well as the items you are bringing on your trips such as clothes, jewellery and eyewear. There is usually a total monetary amount that you are covered for and this is then broken down further into sub-sections. Each item you pack will fall into one of these sub-sections and this will be the maximum amount you would be able to claim for should it be damaged, lost or stolen.
Personal accident and activity cover
Holidays are meant to be memorable and as a result, many travellers heading abroad without their parents for the first time decide to take the plunge and try out a new adventure activity. Your travel insurance policy is able to provide cover for a wide range of activities, but also covers you for personal accident and medical expenses should things go wrong.
Cancellation cover
How would you feel if, after months of saving up for your well-deserved break, it was cancelled due to unforeseen circumstances that were beyond your control? Getting your money back on all the different elements of your holiday can be tricky, however, the cancellation section of your travel insurance policy is there to help in these situations.
Legal expenses
If you need legal advice because someone has injured you whilst abroad, travel insurance policies have a legal expenses section that will help pay for the cost. Usually, you have to pay an excess first, but this section often comes with a free 30-minute phone consultation with a solicitor to discuss your case.