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You’re about to leave UK for a super exciting trip in Europe or worldwide and travel insurance is the least interesting thing about your coming holidays?
But did you know that 1 Brit out of 5 has, at some point, needed medical care abroad?
Take as granted that we absolutely never know what may happen and that bad things do not only happen to others…
Travel insurance is nothing but one of the highest insurance product in terms of value for money. For as cheap as £1/day, you could travel with complete peace of mind and get some deserved rest. Stay tuned!
Table of Contents
Why do I need travel insurance?
Travel insurance covers you in the event of a mishap encountered in the Schengen area or on the other side of the world. In fact, you are not immune to an accident or illness that could go so far as to justify your repatriation to UK. There are many examples: infections, transport accidents, loss or theft of luggage.
Travel insurance coverage is a combination of two components:
- The insurance component: compensation part, i.e. advance or reimbursement of costs caused by an accident, illness, damage caused to third parties, etc.
- The assistance component: assistance or support when you find yourself in a complicated situation (repatriation, loss or theft of your luggage, legal fees).
Abroad, medical and hospital costs are often much more expensive than in UK, especially in the USA, Canada and some Asian countries. The care offer is not always as complete as in UK.
In addition, abroad, you do not have your usual bearings and do not necessarily know who to turn to in the event of the unexpected. We therefore strongly advise you to subscribe to such a contract whatever:
- The destination of your trip.
- The duration of it.
- Your age.
- The nature of your stay abroad (vacation, professional, WHV, etc.).
- Insurance coverage must be valid for the duration of your stay abroad.
In USA, hospital treatment and stay for a stomach illness may cost you around £100 000.
What does travel insurance cover?
Each travel insurance policy is different, since it is the insurer who determines the content of the contracts it offers: guarantees, compensation limits, deductibles, travel insurance prices, etc.
However, all contracts on the market must include at least the following guarantees, applicable in Denmark and elsewhere abroad:
- Medical expenses: compensation by the insurer for your health expenses during your stay (consultation, analysis, emergency treatment, longer hospital stay, etc.).
- Repatriation assistance to the UK: financial and logistical support by a dedicated 24/7 team for your early return to your country of residence if it proves necessary.
- Trip cancellation and cover for delayed or missed departure: compensation if you need to cancel your trip for whatever reason or if you missed your departure.
- Personal liability: compensation for any damage or injury made to a third-party (consider adding it as extra if not included in standard cover).
- Baggage: compensation for any lost or theft of baggage while travelling(consider adding it as extra if not included in standard cover).
Most of the time, travel insurers offer different formulas. Cover types involved are usually the same, but the compensation limits and deductibles vary.
|Main guarantees||Cover you should get for your travels to Denmark||Min – max limit amount you should get for your trip to Denmark||Good to check|
|Medical travel insurance||Any emergency transport, medical procedures and treatments at the hospital24/7 assistance team and helplines||Average £1 million limit||Are private or public hospitals included in your policy?Will there be advance fees?If you haven’t declared any pre-existing medical conditions or a pending diagnosis, any claim related to healthcare will be declared as invalidated by your insurer.Are dental emergency treatments included?Will any “accompanying person” fees be reimbursed?|
|Trip cancellation / curtailment||Illness, injury or even death of you or one of your relatives at the time of departureVery bad weather conditions at your destinationTerrorist attack at your destination||Minimum £2000 limit||Is it included as standard or as an option?Will you get compensation if you cancel your trip for “all justified reasons”?Which reasons exactly are included to get compensation for your trip cancellation?|
|Baggage||Compensation for baggage and belongings theft or loss up to the limit knownNo receipt required||Minimum £1500 limit||Is it only valid during return transport or during the entire stay?Do you need the receipts for any belongings for baggage claims?|
|Missed departure, delay||Compensation if you miss your flight or train when it is beyond your control or if your journey is delayed||Minimum £500 limit (minimum £200 limit for delay)||Are all justified reasons for missed departure covered? How many hours delay to get compensation?|
|Repatriation||Cost of repatriation before or after your original ticket||Real fees||Is any transportation mode included (by alternative schedule flight or by air ambulance)?|
|Personal liability||Compensation for any damage or injury made to a third-party during your trip up to the limit known||Average £2 million limit||What is the limit by article and valuables (don’t focus on overall limit only)?|
|Legal expenses||Legal fees for claiming compensation to another person||Average £15000 limit||Does it cover any lawyer fees (including appointment fees)?|
You may additionally have other features included such as:
- money and cash protection
- loss of passport or official documents
- dental emergency.
You can also apply to upgrades depending on what you’re in the country for such:
- cruise cover
- gadget cover
- winter or any extreme sport protection etc.
Is holiday insurance compulsory?
Most of the time, travel insurance is not a legal requirement.
However, you will need to show proof of travel insurance to get your visa for some countries.
What are the different types of travel insurance?
|Travel insurance type||Explanation||Main features|
|Single trip insurance||These travel insurance policies are for one-off holidays. You will be covered from the start of the journey until the end. You can decide the number of days you want to be covered for.||Covers for the period of the stay|
|Annual multi-trip insurance||These policies are made for frequent travellers going away for holidays, business trips or for any other reason several times a year. You would need to check whether it is more competitive to buy two or three single trip insurance policies or an annual multi-trip policy.|
You can choose between a worldwide, worldwide excluding the USA, Caribbean and Canada or a Europe travel plan.
|Covers for a period of 12 monthLength of each trip usually limited to 31 days (but can vary from 10 days to 90)Sometimes there is an age limit (66 years old on average)|
|Long stay and gap year insurance||These plans are made for students or any british resident wanting to explore the world, including for backpacking, gap year trips or for any other long stay reason.||Usually covers periods between 90 days for up to 18 monthsFor gap year trips,, there might be some age restrictions (from 16 to 45 only, for example)|
How much does travel insurance cost?
The cost of travel insurance depends on several criteria. It is now possible to tailor-make and thus avoid paying for guarantees that you do not need.
*Quotes are for a single traveler of 30 years old and for a 7 days trip /
In general, the insurer will determine the cost of its contracts based on the following criteria:
- The type of trip: the nature and purpose of your stay will have a definite impact on the price of the contract (single or annual trip, gap year, backpackers).
- The duration of your trip: depending on whether you are leaving for 3 days or whether you need travel insurance for a trip around the world, the insurer will apply different price grids. Some contracts also provide for an extension of coverage for a certain period after your return to UK. This assures you of care in the event of an illness contracted during your trip but which occurs in UK.
- The destination of your stay: you are going to Europe? Worldwide ? This will necessarily have an impact on the cost of your coverage. Many contracts also make the distinction between the world “USA and Canada included” and the world “outside the USA and Canada”. The sometimes pharaonic amount of care in these countries creates an additional risk for the insurer.
- Your age and medical record: health risks increase with age. This affects the price of the contract. Insurers provide pricing levels, as with the vast majority of personal insurance.
Options taken out such as loss or theft luggage insurance, insurance for extreme sports.
- Insured persons: as a general rule, your spouse and your dependent children are also fiscally insured, but you should still be sure of this when subscribing.
How to compare travel insurance policies?
Depending on your stay abroad and your profile, our holiday insurance comparison will guide you through the most suitable contracts.
It also gives you all the information you may need to make the right choice. It is then up to you to compare the proposed policies according to your real needs abroad and the criteria that matter to you. Here are 4 points to be particularly attentive to:
- Price: everyone is looking for cheap travel insurance. That said, taking out a policy with the price for consideration alone is a bad idea. The question of the premium is central, but should not be the only criteria involved.
- Additional guarantees: the same offers are often offered, namely compensation for medical and hospital expenses, repatriation assistance and civil liability abroad. But you should also look into the issue of additional guarantees, useful in the event of an unexpected event: luggage guarantee, travel cancellation insurance.
- Compensation limits: each insurer sets its own compensation limits and these maximum amounts are to be considered, especially if you leave the Schengen area and go to the USA or Canada where health costs are very expensive.
- Exclusions: again, remember to consult the exclusions provided for in the contract in order to avoid unpleasant surprises. Note that legally, any exclusion must necessarily be entered in the general conditions of the insurance policy.
The objective is simple: find the travel insurance contract at the best value for money or cover price.
If you do not wish to use an online tool, you can contact several independent insurers or banking establishments to obtain paper or email quotes, but the selection criteria will be the same.
Where to buy holiday insurance?
Travel insurance can be purchased from several establishments:
- The agency or organization that sold you the trip, who will then offer you a “house” group contract.
- The airline with which you booked your flight.
- An independent insurer or a banking establishment.
More and more travelers are now competing by comparing the offers of independent insurers online. This allows you to have a quote very quickly and to subscribe to a contract calibrated to their needs.
Visa, Mastercard or American Express credit card holders have overseas coverage, often mistakenly associated with actual travel insurance. In order to benefit from this, the bearer must have paid for the entire trip with his card.
Note that the coverage provided by these credit card agreements is much less extensive than that of a dedicated contract taken out with an insurer, and it only concerns stays abroad of less than 3 months. Holders of a high-end bank card (prime visa, for example) are better off with higher compensation limits. In general, repatriation assistance, civil liability abroad, death / disability insurance and medical care are included (with compensation ceilings generally lower than those of travel insurance contracts ).
How do I get quote for travel insurance online?
A travel insurance contract can now be fully subscribed online in a few clicks, after filling out a questionnaire and providing the requested documents. Administrative formalities are considerably reduced compared to a “traditional” subscription with an insurer and the cost is very often much lower. You pay the premium online.
Coverage is therefore almost immediate. You will obtain your provisional certificate by email immediately after subscription as well as in some cases, a paper version at the address indicated, as well as the contract.
The certificate will be proof of your coverage and may be attached to your request for a quote, especially when it is mandatory if you are traveling to China, Russia, Algeria or Cuba.
Don’t forget to get your certificate while travelling in case any unexpected event occurs (fingers crossed)!