Annual or single trip travel insurance?

You can buy travel insurance every time you go on holiday, or you can opt for annual multi trip travel insurance, which usually covers any number of trips within a year. If you are a regular traveller, or you are planning a long haul holiday, an annual policy can often work out cheaper. Anyone who

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Do I need worldwide cover Travel Insurance?

Most insurers cover either Europe or worldwide – and you should always check that you are insured to travel to your destination. Europe-only policies are generally cheaper than worldwide cover and often stretch the boundaries of Europe to include countries such as Egypt, Morocco and Turkey. If you are travelling to America or Canada, make

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How the excess works on a travel insurance policy?

It’s important to understand how the ‘excess’ works on your travel insurance policy, so that you don’t get caught out. The excess is the amount that the policyholder pays towards any claim. So, if you put in a claim for £500 and the policy excess is £100, the insurer would pay out £400.  But some

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The pros and cons of a European Health Insurance Card

If you are heading to Europe, you can apply for a European Health Insurance Card (EHIC), which entitles you to medical treatment in state run hospitals in the EU, plus a number of other countries including Iceland and Norway. The EHIC replaced the E111 in 2006 and can be useful in an emergency, but it

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What if I have a pre-existing medical condition?

A standard travel insurance policy is unlikely to cover any pre-existing medical conditions. In other words, if you have asthma and suffer an attack on holiday that requires medical treatment, your policy will not pay out. But you should always declare any health issues when you apply for insurance because failure to disclose any relevant

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Is travel insurance a waste of money?

A travel insurance plan can cover you for unexpected costs incurred before or during your trip so costs are less likely to come out of your own pocket. A travel insurance plan can reimburse you for the pre-paid, non-refundable portions of a trip if you need to cancel or interrupt your trip for a covered

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Why should a traveler buy travel insurance?

Travel insurance offers travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their travel plans, they face two potentially

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Travel Insurance – the basics

Travel insurance premiums can vary a great deal and, whilst it’s important that you are getting good value for money, it is equally important that you are choosing the level of cover that suits your needs. Extras can be added on but a basic policy should include the following levels of cover: Cancellation and curtailment 

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