So often, people get so carried away with the excitement of booking their next holiday that they completely forget about getting travel insurance. Many live to regret that oversight, for all sorts of reasons.
If you take the time to find the right travel insurance policy for your needs, you can rest easy, knowing that you are protected, should you fall sick, lose your documents, money or luggage, or if the holiday should be cancelled or cut short. Always check online for the best insurance deals and get advice from websites like http://www.insurance-quotes-online.org . Those are just some of the reasons why you should really be sure to get travel insurance before you go on holiday, especially abroad.
But how can you make sure you get the travel insurance that you need and ensure that any claims you make are considered legitimate and are paid out on?
The first thing you should so is make sure that you get the right travel insurance to begin with. People often assume that one travel insurance policy is very much like the next. They would be wrong. If you look into the travel insurance policies more closely, you will see they vary quite a bit, not only in what they will cover, but also in the premiums, and the excess you will be required to pay in the event of a claim. Don’t be caught out by thinking you’re insured for something that you’re not.
When considering which travel insurance to go for, it is important to disclose any pre-existing medical conditions which you may have. You are making a contract with the travel insurers and this good faith can be shattered if it is later discovered that you were dishonest on your application form. The insurers may refuse to pay out on any claims, regardless of whether they are connected to your omission.
You should take any policy documents for your travel insurance with you on your holiday. If the policy document is written well, it will tell you exactly what you should do, should you need to file a claim on your travel insurance. It will tell you what you are covered for and will give you an emergency helpline number.
You should make sure that anything valuable tat you take on holiday with you, like cameras, good jewellery, designer clothes etc are all well documented. Take photos of them, so that you have proof that you owned these things if anything gets lost, stolen or broken.
If you lose anything or have it stolen, report it right away to your travel insurance company and to the local police force. The police will give you an accident report number to pass on to your insurance company. They will know it is being dealt with. Also, if you are on a package holiday, let your holiday rep know of the theft or loss.
A different kind of claim you may make on your travel insurance is for illness. You need to make sure that if you are travelling in Europe you have a European Health Insurance Card, to get free medical care within Europe. These are easy to apply for through your local Post Office.
These tips should help to ensure that any claims you make on your holiday insurance, for whatever reason, are agreed. You can get more advice on claiming on your insurance from http://www.insurance-claim.org.uk or other insurance claim related websites. However, remember you have the right of appeal and check in your policy about how you file and insurance appeal if you need to do so.