Top 3 Reasons You Need Single Trip Travel Insurance

Many people forego the purchase of even a single trip travel insurance protection in the mistaken belief that such coverage is an unnecessary luxury. While many people could perhaps get away without having such coverage (but it is certainly ill-advised to do so), there are three critical conditions that it a “must-buy”.

Poor Health

The worst thing someone in poor health condition can do is embark on a physically taxing (and sometimes emotionally draining) journey abroad without getting at least a single trip travel insurance policy. Proper cover can protect you in terms of shouldering the cost of emergency medical procedures, should the need arise. What happens if you go to the emergency room in a foreign country and you don’t have enough money with you? Going abroad without sufficient coverage is extremely foolish-if even normal situations at home tend to trigger your asthma attacks, for instance, consider what awaits in a place you are unfamiliar with. Moreover, if you have a condition like vertigo, any sudden attack can endanger you and other people on the road (should you be driving a rental car). While an insurance policy does not make your health improve, it can certainly protect you from having to outlay a huge amount in an emergency medical situation.

Travelling to Dangerous Places

Here’s a true story: a couple travelling to Peru-a country whose government barely holds it together on the best of days-decides to get a single trip travel insurance policy. It was a precarious time when the dreaded swine flu was at the centre of every health advisory, but the couple chose to get insurance against the possibility of cancellation ‘for any reason’. As it turned out, their much-awaited trip would not be botched by swine flu, but by civil unrest; getting the cover they did significantly helped them swallow the frustration at their loss-at least, it was not as financially painful as it would have been if they didn’t have the extra cover. The point is if you’re travelling to other countries, especially those under certain risk advisories issued by your embassy, it pays to consider these risk factors when purchasing your policy.

Limits in Pre-existing Coverage

You may already have pre-existing single trip travel insurance coverage from your health insurance provider (some companies also includes travel cover even if your main policy is, say, health or home insurance), and you’re probably thinking, “why get another policy, right?” Wrong. Check the terms of your existing coverage carefully and you just might discover how limited the terms are. You have to be utterly frank about your needs and compare these to the things covered by your existing policies. If it is limited, it’s probably as bad as having no cover at all.

How to Know a Good Single Trip Travel Insurance Policy

Not all single trip travel insurance policies offer the same features; while some are outright, honest and transparent, there are those that hide the real state of things – and how much coverage they actually provide – by fudging the wording in the fine print or performing the insurance policy version of a magician’s ‘sleight of hand’ and clever misdirection. To help you easily determine if you’re getting a good policy, here are some areas you must examine.

Medical Expenses

There is probably no single trip travel insurance that does not offer medical coverage, such as providing financial assistance if you encounter a medical emergency during your travels. The difference, however, lies in the extent of the coverage – how much the insurer is willing to provide and how clear are its terms in providing it. For starters, a good policy should provide cover for emergency medical or surgical treatment while you’re abroad, and given the current inflation rate, the amount of cover should be no less than £1 million if you’re travelling throughout Europe, and no less than £2 million if you’re visiting the USA. Of course, this should include cover for getting you back home for the same medical reasons. It is important to note, however, any medical treatment that is not urgent or an emergency (meaning it can be performed when you’re back in your home country) is not usually included in the cover.

Travel-related Cover

Many things can happen between that time you buy your flight ticket and single trip travel insurance and the date of your actual departure, and the best policies out there should provide cover for eventualities that may happen during the said interval. For example, something might arise that compels you to either cancel your scheduled trip altogether or at least significantly shorten it. A good policy would not only provide cover for this, but should also do so for at least £2,000. You should also check out the insurer’s terms regarding missed departure. Do they cover the cost of additional accommodation and other related expenses (this should be at least £500) if you miss your flight (or other means of transport) due to events that are beyond your control, such as an accident or weather disturbances?

Personal Liability

Your single trip travel insurance policy should also protect you from having to pay exorbitantly (or pay at all) for damages you have accidentally caused to others. To illustrate, let’s say you’re on a skiing holiday and somehow you lose control and injure another skier. This aspect of the coverage should be no less than £2 million – even more depending on your destination and what you intend to do while you’re there. On a related note, there are now insurers, such as the UK’s Insuremore, that provide full automatic coverage against acts of terrorism.

4 Benefits You Can Enjoy From Single Trip Travel Insurance

The days of spruiking doom and gloom to sell travel policies are over. No longer do firms advertise the efficacy of their products through fear and images of all the dark clouds that could rain worry on your holiday. They are more than aware that people don’t want trepidation on the menu for their upcoming adventure!

Nowadays, companies are selling their plans on their benefits. It is refreshing to consider cover in terms of what you can gain, instead of simply what could befall you if you neglect it.

Don’t stress about accidents

Imagine you are planning a quick getaway with your family. You’ve chosen an island paradise and are excited about shaking the dust off your swimwear. The last thing you want to consider is getting single trip travel insurance because there might just be a cyclone that will tear the roof off your hotel. Instead, consider how the simple, online quote and basic cover can leave you free to forget about accidents, storms, injuries or acts of God. You can happily set off on your journey knowing that for one simple fee you are protected from any eventuality.

Don’t worry about theft

Many people are concerned about theft when they go on holiday. Indeed, there are many instances when theft does occur. But effective single trip travel insurance gives you an opportunity to turn a journey into an adventure. No one wants to skulk around their resort or accommodation worried to leave in case their handbag, phone or sunglasses disappear. The best way to enjoy your time away is to plunge headfirst into your destination (with a good dose of good old-fashioned common sense), secure in the knowledge that your policy is protecting you from the unlikely event of the worst.

Enjoy peace of mind

Ultimately, whether it is from cyclones, missed flights, stolen wallets, ruined bags or injured shins, single trip travel insurance at its best gives you a chance to make the most of your time away. If you work hard, this one-off trip needs to be savoured. And there is no better support to doing this than knowing, even when surrounded by the unfamiliar, that you will be well taken care of.

Enjoy extras

The best companies offer single trip travel insurance that understands no one wants to scrimp on their holiday. Your relaxing break should be just that: full of opportunities to splurge and enjoy yourself in ways you would not enjoy at home. This is why the best plans include plenty of extras for you to take advantage of. From golf cover to cruise cover, these extras are sometimes included as part of special deals, recognising that protection should extend to life’s luxuries when on a break.