With the excitement of a holiday on the horizon, here comes a common dilemma… “Shall I take out travel insurance, or just leave it as everything will be fine?”
And let’s be honest…this could well be the case.
However, what if your passport is stolen, or your luggage is misdirected, or worse, your flight is cancelled leaving you out of pocket with no refund forthcoming? This is not a thought any of us wish to consider, but (and not wishing to put a damper on your holiday), with a global flight cancellation rate ranging from 1.5% to 3.2% in 2024* it’s worth being prepared!
Travel insurance isn’t just responsive in disasters, it provides total peace of mind so you can focus on your adventure.
Here are a few top tips:
- Purchase your insurance well in advance to ensure you are covered in case of a cancellation or holiday interruption.
- Ensure your gadgets and any specialist activity equipment are covered within your policy.
- Disclose any pre-existing medical conditions and check your medical records are up to date. This includes new medicines such as Mounjaro and Ozempic.
- Tailor your policy to cover for specialist activities such as horse riding, golf and diving.
- Planning a cruise? Make sure you select an appropriate policy, as cruise travel insurance can often differ from standard cover.
- Check to ensure you have medical emergency cover and 24/7 global assistance.
If you would like to know more about holiday cover or would like a quotation, please reach out to our team who will be happy to assist.
* Source: Travelperk
Russell Butlin
Personal Lines Director
