Travel Insurance is a necessity for any kind of travel you may choose. You should be aware about how much cover you need and where you can buy travel insurance. Our travel professionals can guide you for choosing the best Insurance Policy and help you to check your policy carefully and make sure it covers you for all the activities you want to do on your tour. You need it for protection against the unexpected, to protect yourself against financial losses and for peace of mind. You and your personal property including baggage are at all times solely at your own risk and you are wholly responsible for arranging your own insurance.

Many insurance companies will allow you to arrange extra cover for activities not covered by a particular policy. In addition to cover for medical expenses and repatriation, we strongly recommend that policies should include cover for personal accident, cancellation and curtailment, and loss of baggage and valuables. It is also advisable to cover yourself for personal liability in case you are sued for causing injury or damage to property.

We strongly recommend that you carry a copy of your full policy document with you at all times, together with any certificate showing the policy number and emergency contact details. Please remember: no two travel insurance policies are alike. Make sure you read your policy thoroughly before purchase and make sure that it covers you for medical expenses, repatriation and other criteria described above.

Travel insurance tips

  • Make sure your policy covers you for all the activities you want to do on your tour.
  • Consider annual or multi-trip insurance if you make several trips a year – it’s an easy way to save time and money. It can also be cheaper to purchase a policy with your partner / spouse.
  • Make sure your policy will refund the full cost of your holiday.
  • Bear in mind that most policies will not cover you for drink or drug related incidents.
  • Be honest with your insurer – are you pregnant? Do you have any pre-existing medical conditions? Things you forgot or not told to insurer will probably not be covered.
  • Make sure your policy covers you realistically for loss of your valuable items. Reconsider whether you need to take those items on holiday with you if your policy will be too expensive to cover them. If you don’t take enough care of your personal items, the insurance policy may not cover them in the event of loss or theft, so be careful! In the event something is stolen, report it to the police within 24 hours and get a report.
  • Your flights may be covered by your credit card, but be careful who you purchase them from. Is your travel agent / airline in good financial shape / financially protected? Will you be covered by your insurance if your airline fails and you need to get home a different way? Don’t assume that your airline will cover you for loss of baggage – by law they only have to pay a minimum value and it may not cover you for the loss of your expensive gadgets, clothes or souvenirs.
  • Check your dates – make sure your policy will cover you for the entire time you’re away.