Cardiff family lifestyle, arts and culture blog.

5/07/2018

Top Tips For Travel Insurance With Families.

*This is a collaborative post.


It can be easy to overlook in the excitement of booking a holiday but no family trip abroad is complete without the right travel insurance. What do you need to know? 

Top Tips For Travel Insurance For Families... 


1. Book your insurance as soon as you book a trip.  


Remember that you're not only insuring yourselves against things going wrong while you're away, you're insuring yourself against not being able to go in the first place. A sudden illness, even something as apparently mild as chicken pox, or a broken limb can prevent you from travelling. 

2. Take particular care if you're not travelling with a tour operator.  

Anyone travelling with a tour operator usually has an extra layer of protection if certain things go wrong. However, if you booked independently and, for example, your airline goes bust and leaves you stranded abroad, without travel insurance, there's no-one to help you.

3. Don't forget your EHIC card but don't rely on it either.  

The European Health Insurance Card provides access to free or subsidised medical care in many European countries. However, you may have to pay upfront and reclaim the money later and the card will not cover you for medical evacuation home.

4. Shop around for the best policy.  

Don't automatically buy the travel insurance offered by your tour company or airline. It's unlikely to be the most competitively priced or offer the best features. It may even be unsuitable for your needs. Online comparison websites can be a good starting point. However, they may not be suitable for anyone needing specialist cover for pre-existing medical conditions, high-risk sports or for older travellers. If you're travelling as a family, it may be cheaper to take out a family policy rather than individual policies for each person. Do check an insurer's definition of "family" before you buy.

5. Check your bank account and home insurance policies.

Some packaged bank accounts include a travel insurance policy. Meanwhile, many home insurance policies will cover you for items that you take away from home. This cover may mean that you can select a higher excess on your travel insurance policy.

6. Ensure you have sufficient cover. 

This is particularly important when it comes to medical travel insurance. Medical bills can mount alarmingly, and it is always best to err on the side of caution. The high cost of treatment and hospital stays in certain destinations, such as the United States of America, necessitates higher than average coverage. 

7. Seek specialist cover if you have specialist needs. 

Certain medical conditions can make obtaining insurance difficult. Families with seriously ill or disabled children may be able to obtain insurance through specialist providers, such as Family Fund. Macmillan Cancer Support are an excellent resource for anyone looking to purchase travel insurance for someone suffering from cancer.

8. Take a copy of your travel insurance policy with you on the trip.

This might sound obvious but every year individuals and families get caught out by this. Not having a copy doesn't mean you're uninsured but it does often make it much harder to access the financial and practical support provided by your insurers. Emailing yourself a copy is a handy way to take the policy with you, provided you can access it easily on a smartphone or similar.

Do you have any tips for travel insurance for families? 


Share:

No comments

Post a Comment

Blogger Template Created by pipdig