Travel Insurance - IMPORTANT!

If you are traveling with say Saga, they have their own travel insurance which should be adequate. However for ALL other travel with whichever agent, you should be advised to take out your own travel insurance with a reputable and professional UK company who specialises in this sector. As many 'bundled' travel insurance offered by booking agents and tour operators tend to be generic, with lots of small print and exclusions that could leave you with a hefty bill in event of needing medical assistance while on holiday. Which many tourists unfortunately discover and as we know, medical treatment or hospitalisation in most countries is normally privatised and extremely costly. In these uncertain times think of travel insurance like insuring a car. Third party fire and theft unlike fully comprehensive, will not pay for repairing your car after a prang.
Before you start your holiday; You MUST check your travel insurance covers you and/or family members for the following:-

Geo-political dangers. With much unrest in the world at this time with Russia, Israel and the middle east in general, its important to understand how this may affect your planned holiday for this or next year. Travel to anywhere in the Middle East apart from possibly Dubai could present certain risks, especially if your booking this year for next year. The situation is fast moving and could affect any middle east country in the near future. The largest concern is obviously the Russian situation as this could drastically affect all travel at any time. In the worst scenario a war between Europe, NATO and Russia would change all travel plans.

Before you travel ensure you WILL be covered if:-

Any of the above geo-political events leads to holiday cancellation or emergency repatriation is neded.

YOU, A RELATIVE OR TRAVELLING COMPANION FALL ILL AND ARE UNABLE TO TRAVEL.

A PERSON YOU ARE INTENDING TO TRAVEL TO, OR STAY WITH, BECOMES ILL.

YOUR TRIP HAS BEEN CANCELLED DUE TO UNFORESEEN RELATED TRAVEL RESTRICTIONS, YOU CAN GET A REFUND ON YOUR POLICY PURCHASED TO COVER THAT TRIP.

After you start your holiday you MUST be covered for the following:-
YOU FALL ILL ABROAD AND NEED MEDICAL TREATMENT.

YOU FALL ILL ABROAD AND NEED TO BE REPATRIATED TO THE UNITED KINGDOM.

YOU FALL ILL ABROAD AND NEED TO EXTEND YOUR STAY AS A RESULT OF THE MEDICAL TREATMENT AND INCUR ADDITIONAL ACCOMMODATION AND/OR TRANSPORT COSTS.

YOU NEED TO CUT SHORT YOUR JOURNEY DUE TO A CLOSE RELATIVE FALLING ILL.

From our extensive knowledge of the travel industry and having examined the small print from many travel insurers, we find that Coverwise offers everything above and more. In addition, Coverwise is a well established multi award winning UK insurance company since 1988.

For up to date travel advice see www.gov.uk/foreign-travel-advice.