Money SavingTravel Insurance For Long Stay Holidays With Love Discount Vouchers

In this blog, we will discuss:

• What Is Covered In Travel Insurance For A Long Stay Holiday
• Holiday Insurance From Nationwide: What You Need To Know
• Top 5 Best Couples’ Travel Insurance
• Is Travel Insurance Necessary When You Have A GHIC Card?
• Top 5 Things To Think About When Choosing A Travel Insurance

What Is Covered In Travel Insurance For A Long Stay Holiday?

It’s that time of the year again, everyone is planning to go on holiday. Nothing is better than going on holiday knowing that you have travel insurance that will give you peace of mind that no matter what happens you are covered.

What Is Travel Insurance?

Travel insurance can provide financial protection if something happens to you while travelling or on holiday. It covers a lot of things, from lost luggage to medical expenses in case of illness or accident. The trick is to choose the right insurer so you don’t end up being stranded.

Citizen’s Advice stated something very important: ‘’The cheapest policy may not offer the best value for money, so it’s important to check what the policy includes as well as how much it costs.’’ We couldn’t agree more! Learn how to choose the best travel insurance, why it’s important to have one, and what to watch out for when cancelling it.

What Is Covered In Travel Insurance?

If something goes wrong, travelling without insurance can cost you dearly. Depending on the policy, travel insurance can cover a variety of conditions.

Most policies cover:

• Lost or theft of luggage (some policies also have luggage coverage)
• Emergency medical expenses
• For any delays or cancellations of your trip
• Travel or service interruptions
• Legal fees if you are sued for property damage or personal injury

Things To Consider When Taking Out A Long Term Travel Insurance

Sometimes we just want to take a break from everything that’s happening around us, therefore, we take longer holidays so we could relax and spend enough time with our loved ones. Choosing long-stay travel insurance will be best for you. Here are a few things to consider when comparing long-stay insurance policies:

• When choosing an insurance policy, always choose long-stay insurance. Backpacker insurance will not cover what you require for a longer holiday stay.
• The duration of a long-term insurance policy is usually one month to six months. But those going on a one-year road trip—like a gap year adventure—must find “backpacker insurance.” This is true even if you want to live in luxury.
• Just like the policy, the long-term insurance policy covers medical expenses, cancellation fees and baggage fees etc. However, given the diversity of activities people do while travelling, you might have to double-check whether certain adventures are covered as well. Long-stay insurance may also include other coverage, such as working abroad, this will have to be confirmed with the type of coverage you choose.

These are just a few of the things that most travel insurance cover, the actual coverage may vary between insurers and policies. Therefore, you must familiarise yourself with different insurances before making purchasing one.

What Activities Can You Do When You Have Travel Insurance?

Some travel insurance covers or policies do offer coverage for extreme sports or activities. This is completely dependent on the insurer. Some insurers offer you coverage for just basic activities these usually include leisure activities such as swimming, cycling, and non-high-risk sports. Any high-risk leisure sports might require you to take an extra cover for that.

Therefore, it is best to check the policy details before purchasing to make sure you are purchasing the right policy for the type of holiday
you are planning.

Holiday Insurance From Nationwide: What You Need To Know

Nationwide offers travel insurance for you and your family. Get covered for business, travel, weddings, golf and even winter sports activities. Let’s see what’s included in their policies:

• Worldwide cover - No matter where you travel, you are covered. As long as it isn’t against Foreign, Commonwealth and Development Office advice.
• Online portal - To manage your insurance on the go. You can buy, manage or even claim through the online portal.
• Winter sports and golf cover - Many popular holiday sports are covered as standard, but limitations do apply.
• Cancellation cover up to £5,000 - Check the policy for cancellation options.
• Travel disruption - due to natural disasters, airline delays or travel end supplier failure.
• Medical expenses for up to £10 million.
• Personal belongings and cash that is lost or stolen.
• Any other costs associated with your holiday - travel documents, visas etc.

Get yourself a quote from Nationwide, and be on your way to getting a quote
For your travel insurance.

Top 5 Best Couples’ Travel Insurance

1. Admiral Travel Insurance

Admiral Couples’ Travel Insurance protects you and your spouse or family against any unexpected issues and costs while travelling or on holiday. They are a 5-star travel insurance cover and offer the best for your family.

What Do They Cover?

• Medical expenses - they offer a cover for necessary emergency medical treatment for when you get ill or injured abroad.
• Cancelling or cutting your trip short - this includes things like your deposits, and car parking fees if you have to cancel or cut your trip short due to unforeseen circumstances. They will cover up to your policy limit.
• Lost or stolen personal belongings - claim up to your policy limit for your personal belongings or luggage that could be lost, stolen or accidentally damaged during your trip.
• Delayed or missed departure - If you miss your flight or it is delayed for any reasonable expenses for accommodation and transportation.
• Personal liability and legal assistance - Assistance with legal costs when claiming compensation or damages for injury, illness or death during your holiday trip.

Get yourself a quote from Admiral Travel Insurance today and be on your way to a stress-free long-stay holiday. Visit their website today and get started.

2. Puffin Travel Insurance

Puffin travel insurance focuses on giving their customers value for money. With comprehensive policies and great customer service, you are sure to get coverage that can suit your travel needs. Their policies offer coverage that offers extras that other insurers don’t.

What Do They Cover?

• Multi-trip and single-trip policies for countries around the world.
• Cater for cruises and skiing holidays
• Different activities
• Covers necessary medical expenses incurred outside of the UK.
• Covers up to the benefit limit for any transport or accommodation expenses that cannot be recovered if you cannot travel due to illness or injury.
• Covers items or luggage that is lost on holiday. These are covered up to the limit of the policy purchased.

To get a quote, visit their webpage and start saving.

3. Saga Travel Insurance

Saga goes above and beyond to ensure that their customers a well taken care of on their holiday. Travel with confidence with Saga’s range of insurance products designed for people of all ages.

What Do They Cover?

• No age limit
• Comprehensive covers such as medical, cancellation and baggage
• Covers most pre-existing medical conditions
• On the annual multi-trip you have the option to cover up to 9 family members or friends even if they are not on holiday with you.
• Covers over 40 popular leisure activities and also optional leisure and winter sports activities.

Get a quick quote from Saga Holidays and save on your travel insurance.

4. RAC Travel Insurance

RAC Travel Insurance offers a variety of policy covers that you can choose from. The insurance includes annual multi-trip, family and medical covers.

What Do They Cover?

• Cancellation of transport or accommodation up to the policy limit.
• Medical expenses for pre-existing conditions that have been disclosed.
• Personal belongings up to the policy limit
• Gadget cover for any electronic devices that you take with you on your trip
• Winter sports or leisure activities that have been listed on the policy cover.

5. Avanti Travel Insurance

Avant travel insurance offers you the luxury of not having to worry about accidents when you are on holiday. Whether you are looking for a one-trip policy, annual policy or an all year long insurance, they have got you covered!

What Do They Cover?

• Cancellation and cutting your holiday short
• Medical emergency and repatriation
• Personal belongings and baggage
• Missed departure
• End supplier failure cover
• Money and passport cover
• Personal liability
• Excess

Get a quote directly from Avanti Travel Insurance and you can get up to 20% off this summer on your travel insurance. Act quick and get saving.

Is Travel Insurance Necessary When You Have A GHIC Card?

GHIC is the successor to the EHIC (European Health Insurance Card). This card is invalid in EEA countries or Switzerland and despite its name, you are not entitled to treatment outside the EU. This card enables you to receive temporary health care when you are on holiday, training or business trip in another country.

Where Can I Use My GHIC Card?

The GHIC card is valid throughout the European Union except for Iceland, Liechtenstein, Norway and Switzerland. Until a new agreement is reached, you remain entitled to appropriate medical treatment in Norway (on presentation of your passport). The British government said it was working to reach an agreement with Iceland, Liechtenstein and Switzerland.

What Does GHIC Cover?

GHIC is not travel insurance, therefore, there are certain things that it will cover that travel insurance might not cover and vice versa. Note that other countries may not offer the same coverage and services as the NHS and some countries require patients to pay for their care. Therefore, having both the GHIC card and travel insurance can be of great benefit to you because it will provide both high medical care in a foreign country and will also provide protection for many aspects of your holiday.

What’s Included In The GHIC Card Cover?

• Government-approved emergency or emergency medical care
• Pre-emergency or long-term medical care that will take place immediately during the holidays
• Normal childcare
• Dialysis kidney failure

For the above cases, the insurance will pay until you return from your holiday. However, this does not apply if the reason for your trip is for medical treatment.

GHIC does not cover:

• Repatriation - in some serious cases you will need to be brought back to the UK for emergency treatment. This also applies if you die abroad and your body needs to be sent back to your country. Travel insurance should cover this.
• Additional expenses related to your situation - In the event of a serious illness or injury, you may need additional assistance. For example, transportation for medical supplies, aircraft and assistance for family members. Your travel insurance will cover this cost, but GHIC will not.
• Rescue - Some travel insurance policies do cover this - for example, winter sports options, ambulance cover or mountain rescue.
• Delays - Some travel insurance policies may allow you to claim delays and cancellations.
• Theft and Loss - If you are robbed or lose valuables while abroad.
• Cruise Ship Holidays - Not applicable to GHIC cruise ships.

To see how you can apply for a GHIC card, visit NHS and follow the guide.

Top 6 Things To Think About When Choosing Travel Insurance

1. Declare pre-existing medical conditions - If you have a pre-existing medical condition, you must declare it to your insurer, even if you consider it to be minor. Not doing so could result in your policy being invalidated should you make a claim (and your insurance company may request your medical records to conduct an investigation, which it has the right to do). This could be disastrous as medical care abroad and repatriation costs can run into hundreds of thousands of pounds.
2. Compare policies - The easiest way to find the best deal on travel insurance is by comparing policies online. Remember, the cheapest policy may not be the right one for you, so do read the T&Cs. You can also compare prices with the top 5 travel insurances mentioned above.
3. Buy your travel insurance when you book your holiday - Travel insurance may not be the first thing you think about after booking a trip, but buying it when you book your holiday is a wise move in case you have to cancel your holiday for any reason. That way, you can claim if you can’t go due to an illness or an injury.
4. Don’t get caught out by a hefty excess - Always check the excess amount on your policy. It is the amount you will have to pay towards any claim, so make sure it is affordable – even if that means paying more for your policy.
5. Ensure that your travel insurance provider has a 24-hour helpline - Should anything go wrong while you’re away, you want to be able to get through to your insurance provider. So, ensure that the company you buy your policy with has a round-the-clock, 24-hour helpline via which you can speak to someone whenever necessary.
6. Pick your policy type carefully - You will be offered the choice between a single-trip and a multi-trip annual policy. The latter will cost you more. However, if you are a frequent traveller (or plan to go away more than twice in a year, including UK travel), multi-trip should work out cheaper than buying a separate policy every time you travel. If the whole family is going on holiday, meanwhile, a family policy could prove more cost-effective, and easier than sorting out a separate policy for each person.

Get Ready And Set To Go!!!

Getting travel insurance for a long stay is very important! Life is unpredictable and unforeseen circumstances can occur at any time. This is why it’s important to plan before going on your holiday trip. Whether you want to opt for a couples’ travel insurance or holiday insurance nationwide, Love Discount Vouchers has got you covered. This guide will ensure that you are fully prepared for any situation you might encounter while on your holiday.

For more discount offers on travel, check out our Travel Category to save some money on your travel insurance or holiday booking. See also tips and tricks on how you can save when travelling last minute with the Last-minute Holidays blog. Enjoy discounted offers when making your booking through Love Discount Vouchers.