July 19, 2013
Travel is obviously a luxury, but what a luxury! With experiences that create unforgettable memories being cited as what makes people happiest long term, travel is one area in which you should be prepared to invest your time and hard earned money. Before you get carried away in the excitement in making the plans for your holidays, don’t forget to factor in the cost of your travel insurance policy too. You don’t want to be left footing an unexpected bill which could so easily have been prevented. Read on for tips on getting the best travel insurance policy for you.
If you are travelling within the EU, do apply for an EHIC (European Health Insurance Card) card. It is free to any member of the EU, and entitles the holder to medical treatment in any state run hospital within the EU as well in the EFTA (European Free Trade Association) countries of Iceland, Norway, Liechtenstein and Switzerland. It means that you will pay the same costs as a native inhabitant of the country; it is free for them, it will be free for you too. If you already have an EHIC card, make sure it is up to date.
Unless you travel extremely rarely, it is usually cheaper to buy annual travel insurance. It is also great to know that you do not have to rearrange insurance for every subsequent foreign trip that you may make within a 12 month period.
Sometimes if you have a paid bank account they include a travel insurance policy which is also well wrth checking out and can save you paying twice if you are already covered.
You can cut the costs of your insurance policy by working out who exactly needs cover. There are policies that can cover for singles, couples and families (sometimes including extended family). However do be aware that the premiums are based on the age of the oldest traveller, so if a traveller is over 65, it could be easier and cheaper to get a separate policy to cover them.
Don’t waste your money on over insuring yourself. If you are unlikely to travel out with Europe in the next 12 months for example, don’t purchase a worldwide policy cover
If you are planning to partake in high risk activities such as winter sports, do make sure that your policy covers them. Tailor your insurance if need be. The premium will be larger, but nothing compared to the costs of specialist health care if you had to pay for it out of your own pocket. Make sure that your activity is covered, and for example if you may possibly ski off piste, make sure that the policy covers any mishap that could occur there. Not all ski sports cover, covers accident away from regulated pistes.
And as always, read the small print! Make sure that you have all the cover that you need included in your policy. If something untoward should happen, it is best to have the insurance policy in place for your own peace of mind. So enjoy your holidays with the secure knowledge that you are well protected.
Beyond insurance there are countless ways to save money travelling. One great way to find deals on holidays is by checking comparison sights for prices however they won’t carry all the deals. Sometimes a travel company that focuses on one area will be able to provide a low cost, high quality break. Companies like https://www.chevron.co.uk/all-inclusive-malta-holidays, who offer deals on trips to Malta and Gozo can sometimes even beat the comparison sights by specialising in one place.
If you are planning on booking a holiday it pays to do a bit of research first.