Holiday Insurance an Essential Vacation Expense

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Holiday Insurance an Essential Vacation Expense

Thursday, July 23rd, 2009 Subscribe To Our Feed

Everybody eagerly looks forward to their annual vacations. As our time off from work draws ever closer we might even start to tick off the days from our calendars, impatient for the day when we fly off to the sunshine.

Lots of people pack their bags and head for the sun without giving any thought to the need for Insurance. This is particularly true for those who don’t arrange their holidays through a travel agent. Travel agencies will generally remind people of the need for holiday Insurance but even when they do many people take out the cheapest policy possible which can often be inadequate for many circumstances.

The key reason that many people don’t take out adequate holiday Insurance cover is that they don’t expect they will need it. Nobody expects to have an accident, to need medical attention or that they will be the victim of crime. Its an unfortunate fact of life that emergencies do arise and when they occur abroad they can be incredibly expensive. For example, if you need to be returned to the UK it could set you back many thousands of pounds. The cost of being flown home from the United States in an air ambulance is between £35K and £45K and from the Canary Islands the cost could be between £12K and £16K.

Unfortunately, while nobody plans for disasters problems can occur and imagine that you had to pay the cost of an expensive air ambulance yourself?

I’ve been very lucky while away on holiday, never having had need for medical attention, but I have, on two occasions, needed to claim for lost or stolen items. On one occasion, while travelling in India, I had my camera stolen from my bag on a train. On another occasion my suitcase was lost on a flight to Italy.

These incidents highlight another key reason to make certain that you have adequate holiday Insurance cover. It’s bad enough to have valuable items stolen or lost but this situation is made a lot worse by having inadequate Insurance cover.

Always be sure to read the details of your holiday Insurance policy as there are always exclusions that you really need to be aware of. For example, many people are completely unaware that most Insurance policies don’t cover drink or drug related incidents?

It is worth remembering that cheaper policies are cheaper for a reason, usually because they offer less cover than those which are more expensive. Always be certain that the policy provides adequate cover before being tempted by the cheapest Insurance policy available.

You can often save money by looking at annual multi-trip Insurance or by looking at group Insurance policies for your whole family. If there is one travel expense that should be absolutely essential it is the need for adequate holiday Insurance cover.

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