10th April 2018
For many, buying travel insurance can be somewhat confusing. There are so many different providers around and cover types available, it isn’t always easy to know what level of cover you need for your holiday. From cancellations and delayed departures, to loss of belongings and hospital appointments, there are so many factors to take into consideration when choosing the right travel insurance.
Whether you need to find out how to make a claim, or simply want to know the best time to buy travel insurance, here are our answers to some of the most commonly asked questions.
Many people leave purchasing travel insurance until the last minute, sometimes even the day before departing, but doing this could lead to a number of issues. If, for some reason, you can no longer travel on your departure date, you won’t be covered for any costs if you’ve not already got travel insurance. This is why you should always buy your travel insurance as soon as you book your trip, just in case the worst does happen in the run up to your holiday.
However, if you’re planning on taking a few breaks across the year, you might be better off considering an annual policy. Having annual cover means that you’ll be protected for as many holidays as you like for 12 months. This saves you the hassle of having to buy insurance individually each time, and it’s usually a lot more cost-effective too! If you’re going on a single trip, you can’t buy your travel insurance until you know the specific dates.
The question of whether you need travel insurance for a holiday in the UK is a tricky one, as many people have different opinions. Some feel it’s unnecessary and a waste of money, whereas others are a lot more cautious and want to be covered for any potential problems.
There are many benefits to taking out travel insurance for a holiday in the UK. The costs of any cancellations, medical expenses or stolen items will be covered, as well as lost luggage – you may only be travelling a few hours down the road, but bags can still go missing on a UK holiday. You should also consider insurance if you’re going on one of the UK’s many incredible adventure holidays, such as skiing or hiking, due to the risks involved in these kinds of activities. Asda Money’s Annual Trip travel insurance covers winter sports as standard, although this is an additional option for single trip policies.
Depending on where you’re going, how long you’re away for, your age, and what you’ll be doing whilst you’re on holiday, travel insurance quotes will differ. For example, somebody heading away on a weekend trip to Paris will need a completely different travel insurance policy in comparison to somebody travelling around Australia for six months.
People are often tempted to pick the cheapest quote, but this can be a bad idea. The cheapest deal may sound appealing, but if an unfortunate situation arises that isn’t covered by this cheaper insurance, you may be left with the cost of it. Make sure you take into consideration any activities that you’ll be doing when on holiday too. For example, if you’re going on an adventure holiday, such as skiing or rock climbing, be sure to check with your travel insurance provider that you’ll be covered for this, as there may be some extra fees to pay.
The answer to this question is both yes and no, depending on what level of cover you’ve bought. When searching for comprehensive travel insurance, it’s unlikely that you’ll find a low-cost cover that protects you from disasters such as earthquakes, tsunamis and volcanic eruptions. However, some providers, like Asda Money, give you the option to buy additional policy cover, including travel disruption, which includes unfortunate events, such as natural disasters.
This extra level of cover is important if you’re travelling to countries that are at a higher risk of a natural disaster, such as Turkey, the Philippines and Costa Rica, according to the 2015 World Risk Report. Your holiday and travel insurance provider should both give you a phone number that you can call during any emergencies, so be sure to keep this, and all of your travel insurance documents, on you at all times. With Asda Money travel insurance, you can be covered for up to £25million worth of medical expenses with our Premium cover, giving you one less thing to worry about if a disaster does strike.
Yes, the country you’re going to can affect the price of your travel insurance. However, despite what many people may think, the distance you’re travelling has nothing to do with it. It’s actually the cost of medical treatment in the country you’re travelling to that plays a part in the overall price.
The cost of medical treatment varies from country to country, so make sure you do your research before you book a holiday. For example, America, Canada and the Caribbean are all well-known for being expensive if you fall ill, so your travel insurance quote is likely to be higher if you’re holidaying in one of these countries. Spain is also renowned for being more expensive than other European countries, so bear this in mind if you’re booking a family holiday closer to home.
If your flight gets cancelled, your airline will refund you regardless of whether you have travel insurance. This is because those travelling with an airline based in the EU are protected by the Denied Boarding Regulation. However, your airline won’t refund you for the extra money you may lose due to this cancellation.
If your flight is cancelled, the extra costs you may face for car hire, transfers, hotels, and connecting flights, will be covered by your travel insurance. Of course, the level of costs covered will depend on the policy you’ve paid for. Here at Asda Money, we offer Value, Premium and Superior levels, which cover you for £1,000, £2,000 or £5,000 worth of cancellations, respectively.
Just like travel insurance, every credit card policy is different. Credit cards can provide various types of protection, including life insurance, property insurance and travel insurance. But, can you really rely on your credit card’s travel insurance policy?
If you do have a credit card, make sure you check with your bank to find out what you’re entitled to when it comes to travel insurance. Carefully read your policy documents to make sure you’re covered for everything you need to be. A credit card may protect you for the essentials, such as cancellations and loss of luggage, but what if you’re going on a snowboarding holiday and something goes wrong? For these kinds of activities, you’ll need to take out extra travel insurance, just to be safe. A credit card will only cover you to a certain extent, such as offering a set amount on loss of belongings. However, if you’re travelling with expensive equipment, again, it’s best to get the extra cover to make sure you get all of your money back if something unfortunate was to happen.
Depending on what your claim is for, the process will differ. If you received medical treatment whilst you were away, make sure you keep hold of the medical certificate and any bills you’ve paid. If you’re going to be in the hospital for longer than 24 hours, make sure you or somebody you’re with contacts your travel insurance provider straight away, as your insurance provider might not be able to pay out if you tell them too late.
If your luggage has been lost or delayed, inform your airline or transport provider first. Make sure you tell them within three days, as your claim might not be able to be paid if reported after this time. If you have to cancel your trip, be sure to tell your travel company immediately, and then claim your travel insurance. Whatever the claim, with Asda Money travel insurance you must register your claim to the Travel Claims Services within 31 days of your trip ending. Head to page 13 of our travel insurance booklet to find all of the relevant addresses, phone numbers and email addresses you may need. Remember to keep hold of your travel insurance policy number, emergency telephone number and any receipts you’ll need to support your claim too.
Travel insurance is one of the most important things you’ll need when travelling. If the worst was to happen on your holiday, travel insurance gives you a little more peace of mind that everything is going to be OK. Whether you just get the basics with Value cover or you choose to go with the Superior option, it’s something you need to tick off your holiday check list as soon as possible.
If you have any questions about Asda Money travel insurance, then feel free to call us on 0800 138 2373 and we’ll be happy to help.
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