The Foreign & Commonwealth Office (FCO) says that many people deeply regret not taking out travel insurance. They think their credit card accident insurance, home insurance or private health insurance is adequate. The reality is that the effects of adequate travel insurance and personal injury or financial loss valuables will be hard to face serious.
The FCO has issued guidelines for what your insurance needsCoverage in case of emergency or other problems may occur during the holidays.
The actual costs if anything goes wrong. An emergency abroad can be very expensive. If you have to be returned to the UK could cost thousands of pounds of insurance, unless they are sufficiently
* £ 30 to 35,000 - Air Ambulance SU East Coast
* € 12-16000 - Air Ambulance from the Canary Islands
* £ 15 to 20,000 - scheduled flight, stretcher and doctor supervision of theAustralia
What should my travel insurance?
* Medicine and Health Sciences cover for an injury or sudden illness abroad - More information on medical and health cover
* 24 hours emergency service and assistance
* The personal liability coverage if sued for injury or property damage
* Lost and stolen covers
* Cancellations and shortening (shortening the trip to cover)
* Additional coverage for activitiesusually covered by standard policies, such as water skiing.
The policy should be as long as you are gone.
Your policy can also:
* Personal Accident Insurance
* Legal Insurance
* Financial protection if your airline fails before or during the trip.
Many insurers cover extended if you ask. If not, look around for a specialist policy.
Common travel insurance exclusions
Always check the conditionand exclusions of your policy:
* Most of the measures are not to drink or drug incidents
* You must take reasonable care for your possessions or your policy will not be with you.
Travel insurance buying tips
* Shop prize to find a good and the right product for traveling without a seat
* The cheapest policies usually cover less - it seems that the price is very important, but it's worth the savings first?
*examines the annual multi-trip insurance if you travel a lot of money each year - and save time.
Cancelling or cutting a trip short
A good insurance covers you only to cancel a trip or cut. Check carefully to see exactly what is covered:
* Accident
* Health
* Pregnancy (not known at the time of the policy)
* Jury subpoena or a witness
* Home emergency: fire, storm or flood, burglary
* Redundancy
*Strikes
* Decisions of the bad weather - the departure of flights and ships.
Make sure your policy:
* Reimbursement of full cost of holiday
Pay * If you cancel or cut short a trip because you gets sick, for example
* Includes pre-paid expenses such as excursions
Extra Cover to return home
And the attempt of a book agent, the other with the Association of British Travel Agents (ABTA), Licensing ATOL () Air Travel Organisers' orcredible financial protection organizations.
liability
If you accidentally cause injury or damage to their property someone they can act. Good for your travel insurance.
Accident insurance - disability and death
Travel insurance may cover an accident to pay for death or permanent disability.
Coverage for theft, loss or damage to property
You can usuallySelect the limit in the policy. Limits for individual items such as cameras and jewelry from a minimum of 250 pounds to 1000 pounds or more varied. Check these limits are reasonable and realistic.
You must report a loss to the police within 24 hours. Proof of service is required when making application.
All insurance companies have to say that you look at the things that surround us at all times. If so, it is policy not to pay.
Tip: take the same careYour property as if uninsured.
Lost baggage on flights
Do not rely on compensation from an airline if it loses your luggage.
By law, airlines only have a certain minimum value per kilo of lost luggage to pay. And it is unlikely that the full value of your property to cover.
Expenditure
Under a legal expenses cover will help you get compensation or personal injury while you continue to go abroad - very important in countries without legal aidSystem.
TEAM - European Health Insurance Card
Get a European Health Insurance Card (TEAM) for healthcare in European countries. Understand what it does and not for you.
Medical Health Insurance
financial security for the holidays
I'm not in a foreign country without a refund if your vacation go bankrupt - which exists to protect you stranded.
Credit Protection
Safety information offeredCredit and debit card users.