Many of the unscrupulous companies attempt to lure prospective customers with offers of astoundingly cheap travel insurance. While many affordable packages are approved by independent bodies such as ABTA, there are still regular reports from people who opt for the cheapest deals, only to discover they aren't covered for certain eventualities. Some leading experts claim some single trip travel insurance policies aren't worth the paper they're written on. The trick is to buy from a reputable company and always read the fine print.
Finding Policies that Meet Your Requirements
It is worth pointing out that some basic packages may only cover short holidays to relatively local destinations. They may be ideal for travellers who are planning on spending a few days in the Scottish Hebrides or the Channel Islands, however they won't be much good if you're jetting off on holidays to far flung destinations in America or Africa. If you're in any doubt about the suitability of a cheap policy contact the company direct to clarify.
Ascertaining the Suitability Of Your Policy
The vast majority of providers will include comprehensive medical cover with even their cheapest policies. They will offer protection against the costs of medical transportation and treatment, in most instances. However, the insurers will expect you to declare any pre-existing medical conditions prior to departure. If you fail to take this step then you may discover that your single trip travel insurance policy is invalidated. You should also remember the insurers who specialise in budget deals may only be prepared to cover short breaks, as mentioned above. They might also not pay out in the event of injuries that occur as a consequence of participation in extreme activities. We'll say it again: read the fine print.
Taking Account of Policy Exclusions
It may not surprise you to hear that many single trip travel insurance policies are generally very basic - and it is for this very reason they are so cost efficient. There may be a number of exclusions and stipulations. For instance, you may discover that your package doesn't include cover against injuries that may happen while you're working abroad; for many, this won't be an issue, but if you do plan on working, you must be covered. The insurers may also be unwilling to cover those travellers who are injured while using specific types of transportation in foreign countries. If you want to be assured of complete peace of mind it is always advisable to check for policy exclusions prior to your holiday. It may even be worth paying a little extra for a comprehensive single trip travel insurance package.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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