Cancellation and illness
- insurance should
cover against cancellation through illness, death and some other unforeseen circumstances.
Cover is not usually given for cancellation due to "change of mind", nor
natural disasters such as earthquakes. Check it covers against medical treatment
abroad in the case of accident or illness as this can be a very costly procedure.
Accidents - You will probably have to pay for
any medical treatment abroad and then claim for reimbursement upon your return.
Check the insurance covers repatriation after an accident in a given time.
Theft or loss of possessions - work out how much
it would cost to replace your travel wardrobe, including suitcases, cameras, jewellery
etc. and ensure this amount will be covered by the insurance.
Holiday delays - some insurance companies cover
delays at airport etc. and also the cost of accommodation during the delay but you must
Activities - some insurance companies do not
cover hazardous activities whilst on holiday which can include such things as jet-skiing,
deep sea fishing etc. If there is any possibility of a member of your party getting
involved in such pursuits check your cover and, if necessary, pay extra for this benefit.
Claims - you will normally have to pay an excess
on any claim i.e. the first £20 or £30. If you are anticipating making a claim on
your return ensure all receipts and supporting documentation are kept. If you have
been the victim of theft it is usually a requirement of the insurance companies that this
must have been notified to the local police. Get proof this has been done.
MOST IMPORTANTLY ALWAYS READ THE SMALL PRINT FOR
EXCLUSIONS AND REQUIREMENTS. THE CHEAPEST POLICY IS NOT ALWAYS THE BEST VALUE.