When to Choose Single Trip Travel Insurance Over Annual Coverage

By Patrick Chong

If you're planning a trip abroad in the near future, chances are you've been advised to purchase appropriate cover for the trip in case anything goes wrong. Travel, like life, is an adventure and therefore at times surprising and unpredictable. A good policy protects you against various possible trip-related financial and property losses, and helps ensure you receive the necessary services and assistance in case of accidents or medical emergencies. In short, having a policy, whether annual or single trip travel insurance, gives you greater peace of mind, enabling you to fully concentrate on your trip, whether it be for business or pleasure.

As with every other investment, however, there are many things to consider before purchasing your policy. If it is your first time purchasing a policy you could easily become confused or overwhelmed by the choices. One of the first decisions you need to make is whether to choose annual or single trip travel insurance. Both have advantages so considering your plans and your needs is the best way to make the right decision. Listed below are two instances where purchasing a single trip travel insurance makes more sense than purchasing an annual plan.

You are planning to take only one trip in the foreseeable future

If this is your first time travelling abroad and aren't sure if you're going to take another one any time soon, choose a single policy. After all, why pay for trips that may never happen? This may seem like a no-brainer, but some disreputable agents are very good at talking clients into purchasing policies or extras they don't really need. This is why choosing a reputable provider is crucial. Although an annual policy gives you a lower wholesale price for multiple trips, a single policy is definitely more the cost-effective option in this case. Not only are you just paying for one trip, if you do decide to take another you are not tied to an annual plan in the event you discover that it is not the right fit.

You want to keep your future options open

If the travel bug bites you you'll likely want to go to many different places and have diverse experiences. Logically, your coverage needs for a tropical location such as the Caribbean would be vastly different than your needs would be for the French Alps. Even if you go back to the same place, your needs on the second trip may be different. With single trip travel insurance, you can configure the policy to fit the specific needs of each trip and each location. It also frees you to make better-informed decisions for your next trip. For example, if you regret not opting for the 'adventure' package that includes potentially risky activities such as paragliding or snowboarding in the French Alps, you can always get a new policy that covers such events on your next trip!

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Take Care of Insurance on That Family Holiday

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.

3 Things to Check Before Purchasing Single Trip Travel Insurance

By Patrick Chong

In this day and age, travel abroad is no longer domain of the elite. Modern technological advances in transportation and communication have turned this once rarefied dream into one that average people can have within their reach. In fact, travel abroad has become one of the things many people consider when making their yearly plans, making sure to fit it into their budgets and schedules, even going so far as to making travel part of their household insurance policies.

Purchasing an annual policy for all travel makes sense in many cases, however, for those who can only afford the time and expense of travelling once a year, single trip travel insurance is definitely the right choice. Not only is a single trip travel insurance policy more cost efficient than a blanket policy, it can be configured to needs specific to your trip, in addition to the more standard protections such as trip cancellation and baggage loss coverage. For example, if you're going diving in the Caribbean, you may find out too late that your annual blanket coverage does not cover such 'adventure travel' activities.

In travel, research is key to getting the best value for your buck, and this includes proper coverage. Being aware of a few details can help ensure you have the right policy for your needs.

Pre-existing conditions

One of the biggest issues when it comes claims with regards to single trip travel insurance is the failure of the client to disclose pre-existing conditions, which are generally not covered by blanket policies. Always discuss pre-existing conditions with your insurance provider when purchasing a policy. This is doubly important as it may not only hinder your ability to file a claim once you return, but worse, you may not be covered in the event of a medical emergency during your trip!

Existing coverage

One of the best ways to save money is to check your other policies for existing coverage. For example, credit card companies often include damage and loss protection for travel-related gadgets such as cameras, which may mean that you could leave your camera off your travel cover if you so choose. Likewise, if you have an existing policy against accidents, finding out if accidents outside of the UK are covered can help you better decide the specific cover you need for your trip.

Political climate of your destination

This may seem like a weird thing to have to know before going on holiday, but knowing the political climate of your destination will not only help you plan which topics and areas to avoid during your trip, but will help you decide on extra precautions you may want to take. Generally, single trip travel insurance policies have built-in coverage in case of war or acts of terrorism. However, details such as valid dates with regards to cancellation or property loss can differ significantly, so be sure to consider such scenarios and discuss them with your provider.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Travel Insurance Functions and Advantages

By Mkamba M Juke

A travel policy covers you and your family during the travel period. It should go beyond settling medical covers to other calamities that you are likely to face during the entire journey. Using this cover is the best way of protecting you and your family against the unknown. Therefore, it is important to include the insurance cost when you are planning for your holiday expense.

A good policy should provide cover in the following areas:

Medical expenses

Many people have fallen ill while travelling and a number of them are succumbing to their illnesses due to lack of enough resources for immediate action. The insurance should cater for such emergencies to avoid untimely death. It should cover both in-patient and outpatient treatments and hospitalization.

Luggage and other personal possession

It is painful for one to go shopping again after his or her possession are stolen or damaged in the event of travel. In case this happens, the insurance should provide reimbursement for the loss. However, if one losses his or her possession by careless means, compensation should not be done.

Accidents

Accidents are unpredictable and are bound to happen anytime to anybody. In case of an accident, the policy should provide compensation for death or permanent disability. The persons named by the affected should get the compensation in case of death.

Delays and time inconveniences

Due to large number of passengers in recent times, there have been incidents of delays. Climatic changes have also led to delay especially in the air transport sector. In case this happens, the policy should provide compensation for any extra expense incurred during the delay.

Catastrophe

If a catastrophe occurs, the insurance may not actually cover the calamity but should cover the extra accommodation and expenses incurred. The insurance should cover the expenses until you continue with the journey or you return home.

Importance of travel insurance

- If you lose your baggage containing your medication, you can apply for emergency prescription through the help of the policy.

- If you lose your wallet and other personal identification documents, the insurance helps you to recover them and provides you with emergency cash.

- They cover medical expenses and reduce the burden to you and your family.

- If you have to vacate your location due to natural calamities like tsunamis and hurricanes, the insurance covers for the loss until you settle.

- In case your flight line is declared bankrupt, the insurance ensures that you do not lose your money in the incidence.

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Travel Insurance and Your Rights in Europe

By Patrick Chong

Before disregarding single trip travel insurance for your next trip to anywhere in the EU, be sure that you understand the facts.

• Yes, you can obtain a European Health Insurance Card (EHIC) free of charge from the NHS.

• That will allow you to the same level of free emergency treatment as the citizens of the EU country you're visiting.

However, great as that may be, there are a few problems you should be aware of.

• Not all EU countries consider 'emergency services' to mean the same thing, and aspects of their services might be chargeable in their country whereas those same services might be free in the UK. That might mean you'll still find a hefty bill in some treatment situations.

• In some countries, things like private rooms are typically chargeable and that applies to other things also. For example, in France only 70% of non-critical treatment is free with the remaining 30% being covered by additional cover (which you won't have with an EHIC card).

• If you're unlucky enough to be so ill or so injured as to justify medical repatriation to the UK, that won't be covered by your EHIC because it's not an equivalent service to those provided locally. Remember that air ambulance costs might run into many thousands of pounds.

• Things like the theft of baggage, money, documents and so on won't be covered at all by an EHIC. You'll need single trip travel insurance to provide any sort of financial assistance against such eventualities;

• Some hospitals and medical centres abroad, where you might be taken in an emergency, may be private and not accept an EHIC. This is controversial and has been the cause of some disputes between EU governments; but the fact remains that in some institutions they may look for external medical insurance cover and not an EHIC.

• Your EHIC won't cover any additional costs incurred by your family staying with you while you're receiving treatment.

• Linked to that same point, in some countries the emergency treatment provided by private hospitals and clinics might be of a higher standard and you might not wish to be transferred to a public hospital where your EHIC would be accepted.

• As the name suggests, it's worth keeping in mind that the EHIC has no validity outside of the European Union. If your journey involves crossing borders between, say, Greece and Turkey, your cover may lapse once you leave the EU. By contrast, extra cover may be far more flexible in that respect.

Of course, none of the above reasons suggests that an EHIC isn't potentially very useful in certain sorts of situation. However, given the typically low-cost of single trip travel insurance policies, you might want to question whether or not it wouldn't be more reassuring to have such cover in place anyway.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Family Holiday Travel Insurance - Just Another Expense?

By Patrick Chong

Family holiday travel insurance - who needs it? It's an obvious question to ask when you're looking at your forecast total budget for your break and wondering just how you're going to pay it all. You might also have heard all those old jokes about "the only cheap cover is that which you decide not to buy" - and maybe you're wondering whether to skip cover this year to save money.

Well, you could do so for sure - but would it be wise? If your luck holds and your trip goes off without a hitch, you might well congratulate yourself on having saved money. However, what will your view be if something goes wrong and you have no financial help available?

Take medical costs as one example. If you or one of your family were taken ill or injured in an accident abroad, your medical bills could run into hundreds of thousands of pounds if the condition was serious. Do you have that sort of spare cash lying around in your bank?

Now some will say that won't be a worry in a European Union country due to free health care. Wrong! This cover is only for emergency treatment, and things that are considered free in the UK might not be so in the country you're visiting so you won't benefit from those reciprocal agreements in full. Once again, you'll be facing a potentially hefty bill.

Even if the medical cover is free, have you considered how much it's going to cost if your spouse or someone else has to stay on past the end of the trip to provide care and companionship for you or the injured party? The hotel bills and additional flight costs might be horrendous - and don't expect those to be paid for by the government of the country you're visiting. Why should they?

Family holiday travel insurance isn't just about medical cover though. There are all those other potentially hugely expensive things that might disrupt your budget - such as your luggage being lost or your passport getting stolen. If you need to travel huge distances to the nearest British embassy to replace your documentation, prepare for some hefty costs - unless you have a policy that will help.

Then there are all those lovely issues associated with delays - such as hotel accommodation costs and so on. In some situations your airline or travel operator might meet the costs, but in others they may consider it's just not their fault and refuse to do so. That will have you reaching for your credit card and wincing - unless you know you'll be able to claim that back from a policy you purchased beforehand.

So, is family holiday travel insurance really worthwhile? Ultimately that decision rests with you - but if you decide 'no', you'd better hope your luck holds!

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.

Understanding Single Trip Travel Insurance

By Patrick Chong

If you are considering a trip, whether it is for business or pleasure, it is only sensible to make sure you are adequately insured. Having annual or single trip travel insurance might mean that that one day you are protected from the potentially horrendous costs arising out of misfortune.

Clarifying a misconception

It's not unusual to encounter people travelling to European Union countries who believe that they do not need to get cover. Their logic goes along the lines that they will be entitled to free health treatment should anything go wrong at their destination anyway, so why would travel cover be necessary?

The answer is really straightforward and comes under two categories:

• Firstly, a typical policy will cover you for more than just being taken ill. Examples might include things such as the theft of your baggage or serious delays on the way to, or returning from your holiday or business trip.

• Secondly, reciprocal European Union health arrangements do not mean that you will receive the same free health care as you would in the United Kingdom. They only mean you will receive the equivalent free treatment as would citizens in the country you are visiting. So, for example, things such as medical repatriation to the UK would not be covered.

Don't make the mistake of assuming that annual or single trip travel insurance is a luxury you can afford to ignore.

Single versus annual cover

Broadly speaking, most travellers come under the category of either being once a year holiday makers or regular voyagers. There might be many reasons why you would make multiple journeys each year - perhaps you own property abroad or split your time living between two different countries. It might be the case that you travel regularly on business, or perhaps you are just fortunate enough to be able to take several holidays each year.

Whatever the circumstances, if you are only travelling once per year for your annual holiday, typically, single trip travel insurance might be the most cost-effective approach to protecting your financial interests. Cover might be available for just a few days' duration and for most, though not necessarily all, destinations.

By contrast, if you're travelling perhaps more than twice per annum, it might be sensible to make enquiries about annual cover. That type of policy will typically provide cover for an unlimited numbers of overseas journeys during the year concerned, though there may be limitations relating to the maximum duration of any single journey or once again the destinations permitted. Even if your planned destination is not covered by a standard policy, it may be possible to pay an additional premium and thereby include it under cover.

Whether you choose annual or single trip travel insurance, it's important to think very carefully before travelling without any sort of protection at all.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Insuring Your Holiday - Common Myths About Travel Insurance

By Patrick Chong

If you plan to go on a journey to a destination abroad, insuring your holiday with a low-cost package is an absolute must. The problem here, however, is that there are a lot of half-truths and flat out lies out there about the whole issue. Make sure you get your facts straight by busting these myths.

Myth 1: There is no coverage for injuries from sports or activities

There are quite a few travel insurance providers that provide coverage for risky activities and extreme sports. You do, however, need to make sure to state your intent to engage in risky activity before insuring your holiday. This is because your ordinary medical insurance won't cover you from accidents or injuries related to risky activities. You'll need to expand your coverage appropriately, otherwise you risk running into an accident and not having a claim accepted by your provider.

Myth 2: Credit card travel insurance is enough

Simply put, it most often isn't. The payout from credit card coverage simply won't compare to the amount you get from a dedicated travel insurance provider. You may get a little extra using the coverage extended by your credit card, but it alone just won't be enough to cover all the expenses you could incur. Travel insurance, on the other hand, will not only pay out more but also covers more possible scenarios than the typical credit card travel insurance.

Myth 3: Travel insurance is exorbitantly expensive

Insuring your holiday with basic coverage can cost as little as less than two pounds a day - although the costs will increase as you get more coverage on your plans. A decent plan should cost about two to four pounds sterling a day. You may even save more from family and early-bird discounts, so ask the provider if they have any special promotions you can take advantage of.

Myth 4: Providers will always look for loopholes to avoid paying out

Not the legitimate ones. Successful companies that have thrived for long periods of time know that insuring is a numbers game, ultimately in their favour. They know that cheating the system will cause them to lose customers in the long run, so they pay out according not just by the letter of their contract but by the spirit of the contract as well. If any accident or incident is within the spirit of the contract, then you will be covered.

Myth 5: Travel insurance cannot be acquired while already on a trip

Insuring your holiday is still possible, even when you're already at your destination - as long as you still qualify. The important thing here is to find a provider and communicate with the said provider about their post-departure coverage plans. Just make sure that you are doing so in good faith and are not planning to intentionally figure into an accident or something.
You will not be covered if it is determined that you intended to game the system.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies for insuring your holidayincluding annual, multi-trip and single-trip. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Insuring Your Holiday - Common Myths About Travel Insurance

By Patrick Chong

If you plan to go on a journey to a destination abroad, insuring your holiday with a low-cost package is an absolute must. The problem here, however, is that there are a lot of half-truths and flat out lies out there about the whole issue. Make sure you get your facts straight by busting these myths.

Myth 1: There is no coverage for injuries from sports or activities

There are quite a few travel insurance providers that provide coverage for risky activities and extreme sports. You do, however, need to make sure to state your intent to engage in risky activity before insuring your holiday. This is because your ordinary medical insurance won't cover you from accidents or injuries related to risky activities. You'll need to expand your coverage appropriately, otherwise you risk running into an accident and not having a claim accepted by your provider.

Myth 2: Credit card travel insurance is enough

Simply put, it most often isn't. The payout from credit card coverage simply won't compare to the amount you get from a dedicated travel insurance provider. You may get a little extra using the coverage extended by your credit card, but it alone just won't be enough to cover all the expenses you could incur. Travel insurance, on the other hand, will not only pay out more but also covers more possible scenarios than the typical credit card travel insurance.

Myth 3: Travel insurance is exorbitantly expensive

Insuring your holiday with basic coverage can cost as little as less than two pounds a day - although the costs will increase as you get more coverage on your plans. A decent plan should cost about two to four pounds sterling a day. You may even save more from family and early-bird discounts, so ask the provider if they have any special promotions you can take advantage of.

Myth 4: Providers will always look for loopholes to avoid paying out

Not the legitimate ones. Successful companies that have thrived for long periods of time know that insuring is a numbers game, ultimately in their favour. They know that cheating the system will cause them to lose customers in the long run, so they pay out according not just by the letter of their contract but by the spirit of the contract as well. If any accident or incident is within the spirit of the contract, then you will be covered.

Myth 5: Travel insurance cannot be acquired while already on a trip

Insuring your holiday is still possible, even when you're already at your destination - as long as you still qualify. The important thing here is to find a provider and communicate with the said provider about their post-departure coverage plans. Just make sure that you are doing so in good faith and are not planning to intentionally figure into an accident or something.
You will not be covered if it is determined that you intended to game the system.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies for insuring your holidayincluding annual, multi-trip and single-trip. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Single Trip Holiday Insurance - Valid and Invalid Trip Cancellations

By Patrick Chong

One of the most common reasons people take out single trip holiday insurance is to cover their expenses should an unforeseeable event prevent them from going. This can reimburse money spent on airline tickets, hotel reservations, tour expenses and other prescheduled events.

The problem, however, is determining if your reason for cancelling a trip is valid or not. Here are a few pointers to help you better understand your position:

Mature versus Premature

One of the first things you need to do once you've booked a trip is to obtain appropriate cover as soon as you can. Many travellers choose to pick it up at the last possible minute, but this is not recommended because you never know when you may have to cancel arrangements. If you obtain cover the moment you finish making all your reservations, you won't need to worry about your coverage being denied reimbursement because it was premature. It also shows that you are seeking coverage in good faith and are not planning to cancel unless something of great importance comes up.

Unforeseen versus Foreseeable Events

One of the first real factors that will determine the validity of your trip cancellation is whether your reason could have been anticipated or not. For example, being called for jury duty is a commitment that a citizen cannot anticipate and prepare for. This is a valid reason because it is a legitimate and unforeseeable event. Other valid reasons include injury, illness, disasters and being a victim of a crime. If a contractual obligation forces you to get back to work, however, then your claim for reimbursement would be invalidated, as the nature of your work is something that you should have foreseen earlier on. If you could have planned and prepared for the event that would cancel your trip, then your single trip holiday insurance will not cover your expenses.

Out-of-Control versus Self-Inflicted Events

Another important factor for validating cancellation reimbursement is whether you have played an active role in it or not. Simply changing your mind about the trip for no reason at all is invalid, because your predisposition about the trip is fully within your control. Illness and injury are two solid examples of valid reasons, however they would only be considered valid if you did not inflict these upon yourself. If you engage in dangerous sport or expose yourself to a harmful environment, chances are your single trip holiday insurance provider won't pay out.

Close versus Distant Relations

Providers often include a clause that will cover cancellations when a close relative falls seriously ill or figures into an accident. This is only valid for close relatives - typically spouses and those in the first level of consanguinity. This includes parents, siblings or children. The illness or injury of other, more distant relatives will often not be covered. This means that you won't be reimbursed should your cousins, aunts, uncles, grandparents or half-siblings figure into a medical situation.

Oh, and one last thing - always, always document the reasons for cancelling your trip. Single trip holiday insurance will only reimburse your valid claims if you have the documents to prove those claims; so make sure to keep reports, prescriptions and other relevant papers on hand.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip holiday insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Top 3 Tips for Ensuring a Safe Family Holiday

By Patrick Chong

The holiday season can either be a boon or a bane to the average family; it can be extremely stressful if you don't play your cards right, or it can be the best time ever for the whole family. If you're going on a holiday and need to make sure all the loose ends are covered (starting with getting good family holiday travel insurance), check out the following tips.

Proactive Stress Management

The holidays can put quite a toll on your health, not to mention significantly drain your wallet - but it doesn't have to be that way. Many people undergo extraordinary stress simply because they fail to keep things in check. Undue worries can arise from the simplest things, such as failing to pay a bill on time, not planning how the holiday should be planned, or even forgetting to get a good family holiday travel insurance package. When hassles accumulate because the things you should have taken care of were left unattended up to the last minute, the cascade of consequences that hits you can be overwhelming. The solution is to keep your commitments and the money you spend in check. Try to always maintain a balance between work, home and play. Finish your tasks on time or earlier, for example, so that the time you spend at work will not eat into the time you spend with your family, and ensure you always get a good night's sleep. If you're not rushing around before your break away, you're less likely to forget anything.

Handle Food Safely

The Christmas holidays are, of course, a time of feasts. Not surprisingly, it's also a time when the risk of food poisoning shoots through the roof - especially when away from home in an unfamiliar environment. Aside from getting proper family holiday travel insurance coverage (which will protect the family in cases of food-related illnesses abroad), you can take charge of your family's safety as far as meals are concerned. The most basic is ensuring all food is handled properly - make sure children wash their hands and always have a bottle of hand sanitizer within easy reach. Maintain an acute awareness of different types of foods and how each should be handled properly. If you're in self-catering accommodation, keep raw meat (pork, beef, and poultry) away from ready-to-eat food and eating surfaces, and always cook food to the recommended temperature. Most importantly, do not leave prepared food or sandwiches out in the open air (especially during warm days) for more than two hours.

Make your Home Environment Safe

Nothing can be a worse blow to a happy break than having a family member injured. If you're going abroad, one effective way to manage the financial consequences of anything going wrong is getting proper family holiday travel insurance. On the other hand, the least you can do is 'injury-proof' your accommodation and warn children against imminent dangers. Often, all it takes is some common sense. Do not use generators or grills or any other device that burns gasoline inside the accommodation and, most importantly, check smoke and carbon monoxide detectors are working.

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.

Top Tips for the Best Holiday Cover

By Patrick Chong

Even if your family is considering just a single trip abroad (perhaps a two week sojourn in Europe) or if you're planning a weekend away to the likes of Paris, Milan or Amsterdam, holiday cover is probably one of the best investments you can make before you step out of your door to catch the flight.

Insurance providers can offer affordable and effective policies for any travel occasion, be they short-haul break or a long haul jet away to the sun. But having the best cover appropriate to you requires a bit of research, an eye over the small print, and questions to be asked if you are in doubt about anything.

So why not consider these top tips that will enable you to ask the right questions of an insurance provider and ensure that you have enough holiday cover for all eventualities?

Single or multi-trip?

If you're intending to travel frequently or just on a one-off trip, you will need to weigh up what policy will work better for you. If two trips abroad are under consideration - for example in May and September - then multi-trip holiday cover maybe favoured over an individual trip policy.

Location?

If you and your family are heading for the Med or the Aegean, a European holiday policy might be available. Just ensure that you tell your proposed insurer where you are going, as you need to be clear - a country in Europe may not be on the European continental shelf.

Insurance caps

While cover levels are a must-know, particularly when it comes to medical insurance cover, and the excess of a policy needs to be understood, one of the many aspects of holiday cover that is often overlooked is the amount you can claim on valuables and electrical items. Ensure that you are not being short-changed on the value of items, such as expensive cameras, laptops and mobile phones, as insurance providers normally cap this.

Exclusions and cancellations

Also be clear on what is not included, and whether cancelled flights and other such aspects of travel are wrapped into the policy. Adventure activities, such as horse-riding, bungee-jumping and scuba diving may not be included.

Be responsible

As much as you can get the best insurance policy on the market, the burden on you is great when it comes to making claims to your provider. Any evidence found by an insurance provider that a policyholder was under the influence of drink or drugs at the time of an accident may well negate a claim.

Small print

Ensure you read the small print of any policy and that you completely understand and appreciate what it means. If you are in any doubt, email or phone your insurance company for the answer before you commit to agreeing to the policy.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

Comparing Travel Insurance for Family Trips

By Patrick Chong

Travel insurance for family holidays used to be a one-stop shop at the travel agents. Nowadays the industry has changed beyond all reckoning, but the ease with which you can now book online and buy your policy is better than ever.

Taking 20 to 30 minutes on a comparison website, enables you to consider the best options for cover, the excess and the quality of the provider. While the choice of policies on the market today may be mind blowing, why not consider these useful tips that will enable you to work more efficiently in choosing the best cover for your holiday?

Decisions, decisions

Probably the hardest part of choosing travel insurance for family holidays is considering what policy works best for you. Providers have a gamut of options from single trip to annual multi-trip policies, so thinking ahead may well help. If you're likely to embark on two holidays in a year, then an annual multi-trip family policy may work better in the long run.

Shop for the best

The Internet can truly offer the best travel insurance for family holidays, as long as you are prepared to shop around for the best deal. Comparison websites offer a multitude of options and can take much of the hard work out of looking for that elusive policy to fit your family's needs.

Limits can work

Limits - be they financial or geographical - can provide for cheaper cover. For example, you can stipulate only European or the specific part of the world you are travelling to rather than opting for worldwide cover.

Don't be tripped up

While limits can be a positive in driving down policy prices, the reverse is true in that you will need to look at the excess coverage - too high and you could be left out of pocket - and age and medical conditions may well work against those looking for comprehensive cover.

Declare everything

With most family holidays there will be a huge amount of high-tech gear in tow. Whether it be Ipads, laptops, cameras or mobile phones, it is important that travellers declare valuables, including jewellery, to ensure a claim can be made legally and smoothly if the item goes missing or is stolen.

Don't be too adventurous

Checking online for travel insurance for family holidays enables you to discover in real time what risky activities - such as scuba diving, rock climbing, water rafting - are covered by a chosen provider. Even innocuous pursuits can be deemed too adventurous for the policy provider, so always check for a safe and secure holiday. And if in doubt, just pick up the phone or email them to clarify matters.

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.

Top Tips for Buying Travel Insurance for Family Holidays

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.

Is Holiday Cover a Must for a Trip Abroad?

By Patrick Chong

Travelling abroad is always an exciting time - the sun, the sea, the views and the pleasure of having time to enjoy yourself. But could the destination we choose be holding us back if we don't have any holiday cover?

The world is a much smaller place now, given the ease in which we can access the Internet and fully research a place before we visit it. Equally, airlines provide routes all over the world so that even the most far flung places are just a few hours from your doorstep.

With greater knowledge and awareness, we can map out what we want to do in a new location, even if it is off the beaten track or still emerging on the travellers' radar. Whether it's going to attractions, lying on the beach or simply soaking up the atmosphere, it's great to know about where we are going before we get there.

But with this greater education of our locale, we may be tempted to look into activities that could make it even more memorable. For example, scuba diving in the Maldives, skiing on Alpine slopes, rafting in Austria, or even kayaking and jet skiing in New Zealand.

However, if you are tempted to tackle these 'risky' activities on location, the question that needs to be asked is whether your holiday cover will extend to these pursuits and cover you comprehensively for the adventures ahead.

Any good insurer will be able to tell you what activities are excluded from the holiday cover and build in any that you may want to pursue. You may well have to buy an extended policy for peace of mind. For example, if it's winter sports you are gearing up for, an insurance provider will be able to offer a specialist package tailor made for you.

Bear in mind that the higher the risk, the higher the premium you may have to pay. But equally, holiday cover can work in your favour if you happen to be in an accident and a claim is made against you. Check with your insurance provider how much your personal liability is.

Even with specialist policies, double check whether you are covered for medical expenses, as adventurous pursuits could well lead to a spell in hospital if you come off worst and require urgent medical treatment.

Taking the necessary precautions before you reach your resort could well put you in good stead and give you more confidence to enjoy the pursuits and activities that you want to do. Such policies will remove any doubt from your mind. Equally, the burden of undertaking these pursuits safely will fall on you acting in a responsible manner, otherwise the policy could be compromised and a claim may well be rejected if, for example, you are under the influence of drugs or drink.

With all holiday cover, read the small print and if you are in doubt, always ask. The price of your indulgence could cost you a small fortune if you aren't covered properly.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

Is Holiday Cover a Must for a Trip Abroad?

By Patrick Chong

Travelling abroad is always an exciting time - the sun, the sea, the views and the pleasure of having time to enjoy yourself. But could the destination we choose be holding us back if we don't have any holiday cover?

The world is a much smaller place now, given the ease in which we can access the Internet and fully research a place before we visit it. Equally, airlines provide routes all over the world so that even the most far flung places are just a few hours from your doorstep.

With greater knowledge and awareness, we can map out what we want to do in a new location, even if it is off the beaten track or still emerging on the travellers' radar. Whether it's going to attractions, lying on the beach or simply soaking up the atmosphere, it's great to know about where we are going before we get there.

But with this greater education of our locale, we may be tempted to look into activities that could make it even more memorable. For example, scuba diving in the Maldives, skiing on Alpine slopes, rafting in Austria, or even kayaking and jet skiing in New Zealand.

However, if you are tempted to tackle these 'risky' activities on location, the question that needs to be asked is whether your holiday cover will extend to these pursuits and cover you comprehensively for the adventures ahead.

Any good insurer will be able to tell you what activities are excluded from the holiday cover and build in any that you may want to pursue. You may well have to buy an extended policy for peace of mind. For example, if it's winter sports you are gearing up for, an insurance provider will be able to offer a specialist package tailor made for you.

Bear in mind that the higher the risk, the higher the premium you may have to pay. But equally, holiday cover can work in your favour if you happen to be in an accident and a claim is made against you. Check with your insurance provider how much your personal liability is.

Even with specialist policies, double check whether you are covered for medical expenses, as adventurous pursuits could well lead to a spell in hospital if you come off worst and require urgent medical treatment.

Taking the necessary precautions before you reach your resort could well put you in good stead and give you more confidence to enjoy the pursuits and activities that you want to do. Such policies will remove any doubt from your mind. Equally, the burden of undertaking these pursuits safely will fall on you acting in a responsible manner, otherwise the policy could be compromised and a claim may well be rejected if, for example, you are under the influence of drugs or drink.

With all holiday cover, read the small print and if you are in doubt, always ask. The price of your indulgence could cost you a small fortune if you aren't covered properly.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.