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Travel wise, get insured

Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance, or private health cover is sufficient. Even the European Health Insurance Card will not insure you for all health-care related eventualities and it is advisable to get more extensive cover.

The real cost when things go wrong

An emergency abroad could be extremely expensive and if you are not prepared could result in your financial ruin. The following figures were taken from the Foreign and Commonwealth office website:

£35-45,000 - air ambulance from USA’s East coast £12-16,000 - air ambulance from the Canary Islands £15-20,000 - scheduled flight, stretcher and Doctor escort from Australia

The British Embassy or High Commission will not pay for this and it is not included under your European Health Insurance.

What your travel insurance should cover: the basics

- medical and health cover for an injury or sudden illness abroad - 24 hour emergency service and assistance - personal liability cover in case you’re sued for causing injury or damaging property lost and stolen possessions cover - cancellation and curtailment (cutting short your trip) cover - extra cover for activities that are commonly excluded from standard policies, such as jet skiing.

The policy should be valid for the whole time that you are away

Your policy may also have: -personal accident cover -legal expenses cover -financial protection if your airline goes bankrupt before or during your trip.

Many insurers are flexible and will extend policy cover to meet your needs. Contact a company by telephone if you are unsure that the specific activities in which you will engage while you are abroad will be included under your policy.

Make sure that you read the exclusions section of your policy as well as its benefits so that you can protect yourself against making it invalid by acting outside its protection.

Investigating travel insurance online is the easiest way to compare the different policies that are on offer. We recommend that you look at the policies of AA Travel Insurance website, Go

Neon Glory

For cheap travel insurance including annual travel insurance with discounts for couples & families, visit AA Travel Insurance.

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