Although planning travels is one of my favourite hobbies, there are a few parts to it that many people forget to mention. When I planned my Thailand trip last year, I just booked the tickets and thought that was me sorted, until my grandpa told me I needed insurance. Insurance? For travelling? It made sense but it was something that had never crossed my mind.
I spent hours with my grandpa that day looking at different policies, admittedly bored out of my skull hearing words like ‘Defaqto’ and ‘excess’. It wasn’t a fun part of planning and it seems like just another expense but I guarantee it’s something you need to think about.
I used moneysupermarket to compare travel insurance quotes. This site makes everything a little bit easier as you enter all the details of your trip including where i.e. Europe, Worldwide etc. and the length of your policy. I always select an annual multi-trip as I like to hope I will be travelling more over the course of the year.
The main thing to look at is the Defaqto rating; this gives you an idea of the quality of the policy and although this will increase the price, it tends to mean you are covered in more aspects. I try to go for as high a Defaqto rating as possible with preferably unlimited medical cover but anything above £10million is adequate.
One thing to look out for is the activities and countries covered as a lot of policies charge a bit more for extra countries. It’s important to look at the lists provided – money supermarket is great for making this simple to find – and ensure that the countries you are visiting are on there. As I will be skydiving in Barcelona, I found it difficult to find a policy which covered this and so I decided to buy a separate policy for a single skydive using skycover. The more dangerous your activities, naturally the more expensive the insurance policy will be.
I know this was a little short, but it’s something I think a lot of people forget to mention when talking about their travels – I forgot to mention it in my ‘Where Am I Going?’ post so it’s easily done. I hope this was a helpful little reminder!