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Travel Insurance - 5 Ideas to Avoid Hefty Bills Abroad
Travellers are more aware nowadays than previously of the importance of taking out travel cover before a trip. Most travels are likely to go smoothly, but why take a chance and risk ruining that much-needed holiday.

A variety of travel mishaps and problems have dominated the news in the past few years and the importance of having travel insurance, along with understanding your rights, has never been more in people's minds. Here are some tips to consider before planning your next trip:

Tip No. 1 - Be sure your travel cover policy covers all your planned activities

Not all activities are covered under all policies, so this is important. If you are on a package holiday and choose to take part in activities outside those included you may find they are not covered unless you have taken out separate travel cover. However, beware of travel cover that seems very cheap or is offered as an incentive as the levels of cover might have been reduced - or the surplus (the amount you pay towards a claim) increased. Your travel cover policy should include a list of covered activities, such as elephant rides, scuba, bungee jumps, etc. Never assume that everything is automatically covered!

Tip No. 2 - Be sure your policy includes adequate medical cover, liability and legal expenses

If you pick up an awful stomach bug it might potentially put you in hospital. If you trip and break a leg, or sustain a significant injury it could bring about very high medical bills for medical therapy. If you cause problems for another person you could be liable and incur legal costs. If an injury results in medical repatriation to create you home by air ambulance the necessity for additional seats on the plane, and/or medical escort, could cost you plenty of pounds. Your consulate or the airline will not cover these costs. Someone must pay and - without insurance - that someone is you, or your unsuspecting family or loved ones.

Together with adequate travel and medical insurance, always check that your policy includes cover for air ambulance and medical repatriation. This is vital.

here to bring you back to the united kingdom from your holiday destination could potentially cost thousands of pounds alone, or more to an astounding �50,000 from the united states! If it is necessary to fly you home on a stretcher with a medical escort the fees from even closer holiday destinations could possibly be almost as financially devastating.

Tip No. 3 - Obtain a European Health Insurance Card

If you reside in a EU country and so are travelling within the European Union apply for the free European MEDICAL HEALTH INSURANCE Card (EHIC) and carry it with you. Depending on country, it entitles one to free or reduced-cost emergency treatment on a single basis as a national of this country, in a state-run facility (not private). The EHIC should not be used instead of travel insurance, but will save you many expense and inconvenience should you sustain a personal injury or become sick while travelling. It is important to realise that the EHIC does not cover anything much other than emergency medical care. read more does not cover repatriation to the united kingdom or air ambulance costs. You will need travel cover to cover a range of travel problems, such as non-urgent medical care, ongoing treatment, lost luggage, missed flights, scheduled airline failure, etc.

Tip No. 4 - Do Your Homework!

Research shows that few people actually take time to research the neighborhood laws and customs of their destination country before they set off. Awareness of potential pitfalls could save lots of expense and grief. For example, have you any idea your destination country's rules for an individual adult travelling with a kid? Are you aware which over-the-counter medicines you can and cannot legally take into the country? Do you know the basic rules of the street before driving internationally? The purchase of a good travel guidebook, or time spent reviewing travel advice provided online, such as for example on the Foreign Office website could help you avoid becoming the victim of a bad scam, or being arrested or fined for violating a local law that you were not aware of.

Tip No.5 - Take note of Consulate/Embassy and Emergency Numbers

Before you travel, you will want to programme emergency numbers into your mobile phone and also keep a note of them together with your travel documents. Getting the number for the neighborhood emergency services programmed into your cellular phone could save amount of time in the function of a robbery or accident - and also save lives. Consider registering with the Foreign Office 'Locate' service (or your personal government's equivalent) to raised enable the authorities to assist you if a crisis should arise. Their assistance in contacting friends and relatives will be a very welcome lifeline if needed and save you time, frustration, and expense.

It's time to be an educated traveller, in addition to a savvy one. You will want to pass these tips along to your family and friends. Remind them to obtain travel insurance and do all they are able to to protect themselves and avoid unnecessary and hefty bills on the travels.

Jean Andrews is an employee of TRAVEL COVER Agencies Ltd (TIA Ltd). Jean regularly contributes informative articles about travel cover and travel related matters.
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