S1 Direct Travel Insurance QuotesWhen the annual holiday was a week in Blackpool, travel insurance wasn't a consideration. After all, the NHS operates the same there as it does at home. With overseas holidays now common, and increasingly to distant locations, travel insurance is of vital importance.
Becoming ill or getting injured abroad can be extremely expensive. Whilst some countries do have reciprocal healthcare arrangements with the UK, this often only covers emergency procedures and you'll have to pay for the rest. Having a long stay in hospital abroad or needing an air ambulance to get you home are expenses you can't afford and you need travel insurance to foot the bill.
Policies do also cover lots of other things apart from medical expenses. These include lost money and belongings, cancelled or delayed flights and public liability in case you cause damage to others. However, be aware that the insurance company may not pay out if you cause a problem due to being under the influence of drink or drugs.
Some people take the easy option of buying insurance through their travel company, which can work out very expensive. With hundreds of policies available from various providers, you can shop around to get a much better deal. But better doesn't necessarily mean cheapest if the cover isn't what you need. Always make sure you're covered for the worst eventuality.
If you only take one holiday a year, a single trip policy will suffice. If you go more than once, an annual or multi-trip policy will be better value and mean you only have to arrange insurance once a year. Make sure an annual policy covers the length of trip you're planning because some impose a maximum number of days.
There are other combinations, such as family policies that cover parents and children. Many policies also range from basic to enhanced versions, with different levels of cover and premiums to suit.
Some policies include winter sports cover as an optional extra and there are also specialist policies for this type of activity. You can get adventure travel insurance if you're going white water rafting and backpacker or gap year insurance for extended travels around the world.
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