| ign="center"> | | | | of cash stolen so check the policy. And not that |
| Travel insurance can be quite flexible, covering you | | | | travellersâ cheques are often regarded as |
| for every eventuality imaginable, or just for the | | | | cash under their terms. |
| barest minimum. One thing for sure though, if you | | | | On top of that, consider covering specific items like |
| travel you must have it. | | | | photographic equipment or jewellry for example. You |
| One decision to make before anything else is | | | | can put a value of between 200 and 500 pounds on |
| whether to buy a single trip policy or an annual policy | | | | those sorts of things. |
| which covers you for multiple trips a year. The latter | | | | One thing that is easy to break or to lose altogether |
| could pay for itself if you hop over to Europe just | | | | on holiday is your specs, or your brand new |
| three times in the year. Itâs easy. Once a | | | | sunglasses. Make certain the full cost, bar the policy |
| year you arrange cover and then you donât | | | | excess, is claimable if necessary. |
| have to think about it every time you go away. | | | | But above all else, travel insurance gives you peace |
| If you are lucky enough to be able to decide on a | | | | of mind in the event of a medical problem or |
| weekend in Paris on the spur of the moment, and | | | | emergency. Be upfront with the insurer if you have |
| maybe another in Madrid six weeks later, you should | | | | any existing medical conditions which might preclude |
| definitely go for an annual policy. | | | | you from taking out the policy. There are insurers |
| Then the next question: are you just going to | | | | around which will cover certain medical problems. |
| Europe, or further afield, like to the States or the | | | | As regards healthcare in Europe, if you have the new |
| other side of the world? The price for Europe only | | | | European Health Insurance Card, which took the |
| will be a lot cheaper. | | | | place of the E 111, you might have your excess |
| Whichever you choose, check the policy details | | | | waived if you need treatment whilst over there. |
| carefully so you know what exactly you are covered | | | | Itâs really annoying if you have to cancel or |
| for, and what is excluded. And whether they replace | | | | cut short a holiday due to illness, or the death of a |
| lost belongings on a ânew for oldâ | | | | close family member. The right travel insurance policy |
| basis. | | | | will help soften the blow by paying compensation if |
| You are usually covered for loss or theft of luggage | | | | that happens. |
| and personal possessions. But check the limit and | | | | Last but not least, most travel agents will offer you |
| make sure you are covered for 1,500 pounds at | | | | travel insurance when you are signing up for one of |
| least. You may be surprised at the cost of replacing | | | | their deals. It will very likely cost a lot more than |
| everything in your suitcase, not to mention the case | | | | some of the deals you can find on the internet, so |
| itself. | | | | decline politely and shop around. |
| Travel insurance usually limits cover for the amount | | | | |