What Should be Included in Your Travel Insurance?
3. Make sure you have adequate medical insurance – the most important part of any travel insurance policy, and the reason most of us get travel insurance. Apart from treatment abroad, you may need to return to the UK in an emergency, or for specialised treatment. The cost of this can be very expensive – an estimated £30,000 to travel by Air Ambulance from the Eastern US; an estimated £14,000 to return from one of the Mediterranean islands. Ideally, this service should be available 24 hours a day.
4. Adventure trips and holidays featuring extreme sports are more popular than ever these days. Does your travel insurance cover you against such activities as bungee jumping, sky diving and mountaineering? These are just a few of the activities that will normally be excluded unless you specifically request coverage. Skiing and scuba diving – two commonplace activities – are considered dangerous sports too. Winter sports coverage is usually offered as an optional extra or included under a separate policy. Surprisingly though, statistics prove that most accidents abroad actually happen in hotel rooms