When it comes to planning a vacation, buying travel insurance is typically the last item on people’s minds, and they leave it until the last minute. Insurance is often viewed as a ‘necessary evil,’ but you must have adequate holiday insurance in place to protect not only your vacation, but also yourself and your family - what if your vacation was cancelled, your luggage was lost or damaged in transit, or you required emergency treatment in a foreign hospital?
The genuine benefit of a travel insurance policy and why it is so crucial to have are outlined below.
Expenses for medical care and support in an emergency:
If you or someone you’re travelling with becomes unwell while on vacation, your travel insurance policy’s medical expenditures portion will assist cover your doctor and/or hospital bills. Perhaps you’ve seen headlines in the news of people travelling without insurance and then needing medical care in another country. They are then responsible for paying for their own therapy, which might cost thousands of pounds.
For many people, the medical coverage provided by a travel insurance policy is the major reason they get it, so be sure you know what’s covered before you go. Repatriation, air ambulance, and mountain rescue are all included in Alpha’s £10 million emergency medical expenses, as well as a specialised emergency help team ready 24/7, 365 days a year if things go wrong.
Luggage and personal belongings:
This part covers your bag or suitcase, as well as the items you bring on your vacation, such as clothes, jewellery, and eyewear, for loss, theft, and damage. You are normally protected for a total monetary amount, which is then split down further into sub-sections. Each item you pack will go into one of these sub-sections, and the maximum amount you can claim if it is damaged, lost, or stolen will fall into one of these categories.
All policies differ in terms of what is and isn’t covered, so double-check before you fly; some items are covered by default, while others require you to pay for an additional extension.
Coverage for personal accidents and recreational activities:
Because vacations are supposed to be memorable, many people who are travelling without their parents for the first time decide to try out a new adventurous activity. Your travel insurance policy covers a wide range of activities as well as personal injury and medical bills if something goes wrong.
Cancellation insurance:
How would you feel if your well-deserved vacation was cancelled after months of planning owing to unanticipated events beyond your control? It can be difficult to get your money returned for all of the different aspects of your vacation; but, the cancellation part of your travel insurance policy is designed to assist you in these instances.
Expenses for lawyers:
If you require legal assistance because you were hurt while travelling, most travel insurance policies include a legal fees component that will assist you in covering the costs. Typically, you must initially pay an excess, although this portion frequently includes a free 30-minute phone consultation with a solicitor to examine your case.
Simply hover over the ‘travel insurance’ tab to access Alpha Travel Insurance‘s dedicated policy pages if you would like a price or more information on the range of products that Alpha Travel Insurance has to offer.
