The Importance Of Comprehensive Family Travel Insurance

Surprising numbers of people jet off on an international break every year without the assurance of family travel insurance. This choice may be made due to a reluctance to spend additional money, an ignorance of the risks, or simply a lapse in memory. However, travellers should be warned that there have been countless instances of people being lumbered with huge financial strain after sustaining serious holiday injuries or experiencing other unforeseen events while away.

Here, we re-emphasise the importance of appropriate holiday cover.

Expert Advice

The benefits of family travel insurance have been highlighted by the Foreign Office in recent times. They’ve revealed that forms of cover such as the European Health Insurance card do not act as a comprehensive safeguard against the wide variety of holiday eventualities. Travellers worried about the prospects of theft, injury and other unforeseen circumstances are strongly encouraged to consider the range of policies offered by specialist insurers.

Preparing For the Worst

The vast majority of holidays prove to be enjoyable and completely hassle free. However, those tourists who are unlucky enough to sustain serious injuries or illnesses are no doubt thankful for the safeguard of appropriate cover. They are able to rely upon financial protection in the event of emergency airlifts and repatriation, and insurers may even be prepared to pay out for electronic equipment that is unexpectedly lost or damaged – depending, of course, on the policy purchased.

Cover Based Around the Travellers Needs

People are often surprised by the range of financial safeguards guaranteed by a good policy provider; a reputable insurer will offer a range reasonably priced policies that include exceptional levels of cover for medical treatment and repatriation. Some providers also offer financial protection for those who miss flights due to unforeseen circumstances. It’s always worth bearing in mind, however, that claims can be rejected due to forgetfulness or ignorance on the part of the traveller.

Protection for the Family

It’s all very well facing the personal risk of travelling abroad without cover, if that’s your choice, but it’s worth questioning what would happen if a loved one became the unexpected victim of crime or illness while abroad. Travellers who’ve opted to remain uninsured may not be able to find the money for medical and legal assistance, which would be covered by a simple family travel insurance policy. Some of the better-known insurers even provide free cover for younger children.

The Availability of Cover

It’s worth remembering that the industry is extremely competitive. There are a wide variety of companies attempting to attract clientele to their policies and it is relatively easy to identify good deals on price comparison websites. However, potential customers are should spend time considering their options and reading the policy small print before making a decision. Independent advice should be sought if there are any issues regarding the suitability of the family travel insurance policy chosen.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family travel insurance, 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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