Whether you’re planning a city trip to Europe or an epic around the world adventure, it’s important that you take out travel insurance so you’re covered should anything go wrong on holiday. You’ll have peace of mind whilst you’re away on your trip, so if your flight is delayed or you need emergency medical attention or you have anything stolen you know that you’ll be protected. Not having travel insurance can end up being costly so start searching for a travel insurance quote now with Quidco Compare. You can compare tons of the UK’s top travel insurance providers to find the best policy for your holiday quickly and easily – and you’ll earn cashback as a bonus!
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Travel insurance isn’t a legal requirement however it’s strongly recommended that you take out cover to protect you against the potential cost of problems such as cancellation, delay, stolen property, lost luggage, illness and injury. Should anything happen on holiday that causes you to fall ill or become injured, travel insurance will ensure you receive proper medical attention and any bills are taken care of. Flight cancellations and delays can ruin a holiday before it’s even started and with the right cover, you can have peace of mind that you can claim compensation with your insurance. Start comparing travel insurance quotes now to find the best cover for your trip with Quidco Compare.
You could save money on your travel insurance with annual cover if you go on holiday several times a year. A single-trip policy will only cover you for one location, for a specific period of time and if you’re only going on one holiday that year then it’s probably the best type of cover for you. Annual cover may be cheaper for anyone going on more than one holiday during a 12-month period. Of course, it’s always worth comparing the prices of both types of travel insurance to make sure you find the best value for money.
Travel insurance usually provides cover for:
If you’ve had to cancel your trip due to a family bereavement or emergency, or you missed your flight, you may be able to recover the costs from travel insurance. If you go on holiday and have to cut it short, you can also claim on your travel insurance.
Should you fall ill on your holiday or have an accident, you’ll want to make sure you have insurance to cover the cost of treatment as well as transport back to the UK if you need it.
You’ll be covered for any lost, damaged or stolen baggage or personal possessions with most travel insurance policies.
If you cause damage to someone’s possessions or injure someone accidentally, you’ll be covered for any compensation they may claim from you.
Standard travel insurance usually doesn’t cover:
If you have a medical condition that you haven’t told the insurer about when you took out the policy, the insurer can refuse your claim.
If anything happens on your holiday and you need to claim on your insurance, the insurer can refuse to pay out if you’ve drank any alcohol or taken any drugs whilst the incident took place.
If you haven’t reported any stolen or lost items within 24 hours to the local police you may invalidate the terms of the cover if you try to make a claim.
Whether you’re hitting the slopes or the waves, most standard insurance policies won’t cover you if you’re taking part in sports and activities. It’s usually available as an add-on, so look out for this when choosing travel insurance.
Standard travel insurance won’t cover everyone for every holiday. You might have to add on extra cover to your policy depending on your age and what kind of holiday you are going on.
If you’re over the age of 65, it’s likely you will need to look at seniors travel insurance. Most standard travel insurance policies won’t cover over 65’s as insurers tend to perceive them to be a higher risk. You may have to pay a little more to get insured, but it’s important to make sure you have the right cover on your holiday.
If you’re an adrenaline junkie heading on holiday you’ll need to make sure you choose cover that is suitable. Whether it’s a holiday skiing in Les Arcs, rock climbing in Spain or scuba diving in Australia, you’ll need to make sure your insurance covers you in the event of an accident.
Packing your bags for a round-the-world trip? If you’re travelling for a long period of time you’ll have to compare backpackers travel insurance. Standard travel insurance usually won’t provide you cover if you’re travelling for longer than 90 days, so you’ll need to take this into consideration if you’re going on a long trip.
A pre-existing condition usually means any medical condition for which medical advice, diagnosis, or treatment was recommended or received. Cover will only be provided for pre-existing medical conditions that you have declared. Please check your policy wording and key facts to ensure the cover meets your needs.
You can get travel insurance cover even if you have pre-existing medical conditions such as respiratory conditions, any heart, liver, kidney or circulatory conditions, cancerous conditions, prescribed medication or psychological conditions. Taking out a policy that covers you for pre-existing conditions means that if you fall ill on holiday or need emergency treatment that’s related to your condition you will be covered.
As soon as you take out your policy you will be covered so you can claim for a cancellation before your holiday has begun. You should always buy your travel insurance as soon as you’ve booked your trip to cover you for things like this.
When using the Quidco Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.