Travel Insurance

You will need suitable travel insurance to go on holiday. Its important you know what your travel insurance covers and ensure that the policy you purchase is suitable for you and your holiday. Some holiday providers and cruise lines will ask you to provider your travel insurance details prior to travel. You may also be asked on entry into a country about your insurance arrangements. You are however free to choose the right insurance provider for you and your holiday.

The key cover you will require is

Cancelation Cover (prior to travel). If you become ill or injured prior to travel and need to cancel your holiday plans your travel insurance should cover the majority of your cancellation charges. Some policies can also cover you for serious illness or death of a close relative.

Medical & Repatriation Cover (while on holiday). If you become ill or injured during your holiday your travel insurance will cover the cost of your treatment. Some insurance providers will also be able to help you find suitable doctors, hospitals or other healthcare provider while you are away. If your unable to travel home on your original schedule your travel insurance provider should cover any repatriation expenses such an new flights.

Insurance policies may also cover baggage, delay and valuables while you are on holiday. You should be aware that you are aware of the limits of the provided cover.

Key Considerations

Your policy need to cover the country/ destination. Many providers offer European or Worldwide policies. Its especially important you review this if you have an annual or rolling insurance policy to ensure your cover is still suitable for your next holiday.

Check your policy cancellation limit. A basic policy may only cover holiday up to £1500pp. You will need to ensure your limit is higher than the per person cost of the holiday you are travelling on.

Going on a Cruise, Skiing or Activity Holiday? You may need to upgrade your cover to include your cruise or add extra cover winter sports or more adventurous activities. Your policy document will list the activities your policy covers. For cruise and some adventure holidays you may need to provide your insurance details to the organiser prior to travel.

Tell your insurance provider about any pre-existing medical conditions. If you are receiving treatment, on any medications or have been admitted to a hospital or clinic you will need to declare this. This is normally captured during medical screening on purchasing a new policy.

Don’t leave it too late! Best practice is to ensure you purchase travel insurance as soon as possible after booking. Remember once you pay your final balance then the cancellation charge significantly increase so if you had to cancel you may loose between 50% – 100% of the cost of your holiday.

Where to Purchase Travel Insurance?

We do not sell travel insurance policies however there are many insurance providers in the marketplace. Your bank, existing insurer (car, home etc) or even your supermarket may sell policies. It’s important to ensure you purchase to right policy to cover your needs and the type of holiday you are travelling on. We have listed a few places below.

Post Office. Policies can be purchased from our local Post office on Sandy Park Rd, Bristol or your nearest branch. https://www.postoffice.co.uk/branch-finder/2945118/sandy-park-road

Holiday Extras. Travel insurance quotation provided by Holiday Extras. For more information or to obtain a quote, please go to their website: http://www.holidayextras.com/

Staysure. Staysure have no upper age limit and also provide cover for many medical conditions. For more information or to obtain a quote, please call 0330 822 6412 or visit https://www.staysure.co.uk/