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All you need to know about travel insurance

Date Added: September 26, 2012 10:48:56 AM
Author: oscar
Category: Recreation and Sports: Travel: Other
I don’t travel often – what cover would be best for me? Travel insurance for single trips would be the best option if you rarely go away. Single-trip travel insurance will only be valid for one holiday at a time but should provide cover for such eventualities as:
• Injury and illness
• Holiday and flight cancellations
• Public liability
• Baggage loss or theft
• Emergency repatriation
I travel often during the year – what cover will suit me? Annual multi-trip insurance is cost effective if you travel 2 or 3 times a year. You will be covered for all the trips you take within the 12-month period, although there are usually limits on the length of the trip.
What level of cover should I choose? The level of cover you choose and how much you receive is dependent on the insurer, but all policies usually include:
• Medical cover • Cancellation cover • Cover for loss or theft of baggage
Are there any exclusions with travel insurance for single trips and annual policies?
As with the level of cover, this will depend on the insurer. Some points to remember are:
• Declare any pre-existing medical conditions up front
• Some more dangerous sports and activities may be covered as long as you adhere to all the safety procedures. Others may not be covered at all
• Check with your provider how many days you can travel for at any one time to ensure your holiday does not exceed this limit as you may not get the cover you need
The European Health Insurance card can be used along with your travel insurance but it will not cover the costs of all medical treatment or of repatriation to the UK. As with any form of insurance, always read the terms, conditions and exclusions carefully to be sure you’ve got the cover you require.
Issued by Barclays
This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.
Barclays is a major global financial services provider engaged in retail banking (bank accounts and instant access savings accounts), credit cards, corporate banking, investment banking, wealth management and investment management services, with an extensive international presence in Europe, the Americas, Africa and Asia. With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs over 140,000 people. Barclays moves, invests and protects money and provides ISAs, home insurance, life insurance, a mortgage calculator, guides on how to buy shares and other services for over 49 million customers and clients worldwide. For further information about Barclays, please visit our website www.barclays.co.uk
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