By Patrick Chong
If you have booked your holiday, bagged the best deal for flights and eyed up the great cuisine, then you are all set for a wonderful break. But are you? Have you ever considered the consequences of flying abroad or travelling to a strange country and not taking out travel insurance for family members?
The old saying is that if something bad can happen, it will. So, for example, a stay at a foreign hospital may well take a chunk out of your life savings and credit card to guarantee a decent standard of health care. Funny tummy? Car crash? Speedboat experience go wrong? Day trip turn into a disaster? Had your passport and money stolen from you? Well these are just some of the scenarios that we face every time we go on holiday, but the fact that most of us have cover will always cushion the blow.
Nowadays, travel insurance for family trips are nowhere near as expensive as they used to be. But, unfortunately, it is that perception that some families cling on to in justifying not buying an appropriate policy, when, in fact, it may well be the cheapest and most important aspect of the holiday.
While checking out the best travel insurance for family holidays, here are some top tips to ensure the policy works for you in the most efficient and effective way.
Ease of access
Any good provider will be there 24/7 and should be able to offer translation services if you do find you need to deal with local authorities or emergency services.
Excess
Sourcing the best insurer for your needs is quite easy given the many comparison sites available on the Internet. But don't be fooled by cheap policies as they could offer a sting in the tail, with excess payments having to be paid out before you are entitled to the services you paid for. So always check with the insurer because if the price is too good to be true, it usually is.
What are you covered for?
Many people book the first available policy in a rush without fully knowing what they are covered for. Some fun activities that are planned for a memorable holiday may not actually be covered. So ask, and find out what the policy extends to.
Small print
Understanding what your policy is all about may well be the difference between having great travel insurance for family holidays and having poor cover that does not work to your advantage. So always take time to read the small print and ensure you understand it.
How many days cover?
A frequent slip up people is that they fail to obtain cover for the entire trip so ensure that you and your relatives are covered from the moment you leave your home to the point you return back over that threshold.
With these tips to keep you on track, you'll be guaranteed a relaxing break for you and your family.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance for family groups as well as annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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