By Patrick Chong
Holidays always fill our lives with fond memories, especially when they involve precious time with family. Holiday travel insurance becomes even more important when you are taking along the family, however - especially when there is a range of ages. Whether it is for grandparents or new-born babies, there are many things you can safeguard yourself against by purchasing the appropriate cover.
Why do you need cover?
One of the first things that you may be worried about when you are travelling with young children or elderly parents is that they fall ill - an unfortunate fact of life and a real possibility. From mild cases to more serious ones that may require hospitalisation in a foreign country, all treatment costs money - especially if you are in a country whose currency is stronger. To take care of that family holiday, travel insurance is a must in case of hospital stays or even treatment by a local doctor. The good news is, with appropriate cover you won't have to worry.
What if, during a holiday bad news pops up back home? As an example, when one family was travelling in Spain, they heard about the unfortunate passing of the head of the family, their grandmother back home in London. With hotel and flight bookings prepaid for, any changes would require additional payment. Luckily for this family, holiday travel insurance took care of everything. They were able to cancel hotel bookings and get back home on an earlier flight to attend the funeral, all at no cost to themselves.
When travelling with young children, it's not uncommon to lose expensive items while on holiday. Cameras, tablets and laptops are often stolen or lost while abroad - sad but true. With a good policy you can ensure you are fully covered for lost or stolen items, and need not worry about paying for new things yourself.
One of the worst things that can happen to you when you are on a longed-for break with your entire family is to arrive at your destination only to find out that your bags did not arrive with you! Imagine not having nappies, clothes and formula for your baby and no clothes or essentials for the rest of you for a couple of days! It is enough to spoil the mood of the whole family. Holiday travel insurance comes to the rescue once again here. If you are covered you will receive money to purchase all essentials until your bags are found and sent to you.
A good policy is most definitely something you should consider when planning a trip. It will ensure that you have a hassle free time, and leave you free to build happy memories with your family without having to worry about the little things.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies including annual, multi-trip, single-trip and family holiday travel insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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