A Guide to Travel Insurance
Posted 19/10/2016 : By: Adam Wigglesworth
In most cases your travels will go without a hitch. You’ll not have to experience the nightmare of being seriously ill or injured in a foreign country. But if you do, the last thing you want is not having the support or financial means by which to get treated and flown home. For that alone, travel insurance is worth every penny.
It can however be a little confusing, so One Traveller has teamed up with ABTASure to provide you with a competitive insurance product, which includes:
- No age limit on Trip Travel
- FREE cover for over 300 medical conditions!
- 3 levels of cover to choose from Economy, Premier or Supreme
- Medical expenses up to £25 million
- Cancellation cover up to £10,000
- Baggage cover up to £3,000
- As a One Traveller guest you will also receive an exclusive, automatic, discount
The Key Parts of Travel Insurance
Travel insurance is ultimately a legal contract created by lawyers and you should spend the time to read the fine print and description of coverage (policy wording) thoroughly and call ABTAsure if you don't understand what you're covered for.
Here we outline simply what each major part actually does:
1. Medical Emergencies & Evacuation
As mentioned above, if there is one reason to buy travel insurance, this is it.
Medical evacuations back to the UK can easily exceed £50,000. Ensure that you take the time to read this part in detail, especially the areas of cover for emergency evacuation, limits on medical expenses and cover for emergency dental work. Also, take careful note of the general exclusions, which are outlined in the description of coverage (policy wording).
2. Trip Cancellation
This covers you for costs, should you suddenly find you can't go on your trip for some unforeseen reason such as illness, an accident or a death of a close relative. The important thing to remember here is that for this section to be useful, you have to buy travel insurance when you start booking tickets and not the week before you leave.
Not all travel insurance plans cover cancellation, and only some cover your non-refundable, pre-booked costs if your trip is interrupted after you've left home, so please read the description of relevant coverage (policy wording) carefully.
3. Baggage & Personal Belongings
While loss of your personal belongings is often the main reason most people buy travel insurance, it is arguably the least important: your things can be replaced but your health often can't.
4. Personal Liability
First off, this is not insurance for liability while you are driving your car. If you are involved in an accident or accidentally cause damage and are held accountable for it, insurance can cover your liability and legal expenses. Once again not all ABTAsure policies offer this type of cover so please read the description of coverage (policy wording) relevant to you.
Not all travel insurance is the same.
All travel insurance policies have specific benefits and exclusions so it's common sense, imperative, and absolutely necessary to take the time to read the policy wording carefully. These vary depending on which country you are from, so please take the time and always contact us if you are unsure about anything.
You can now obtain a quote and purchase your travel insurance through our website, simply visit our insurance page to get a quote now.