Hi

When planning a trip abroad, travel insurance is often viewed as a secondary consideration, and the process of booking flights and hotels is often at the forefront of peoples minds. Some people do not even take out travel insurance. Not getting a policy prior to travelling is a big mistake, as you will be missing out on the many benefits and essential protections that it provides.

Perhaps the biggest factor of all is medical insurance. Whilst abroad, you are not covered for medical bills without insurance. Should you get sick or suffer an accident, you are likely to be liable for the full medical bill. This could quite easily run into thousands of dollars. The fact that you are on holiday in a foreign country increases your chances of getting sick or having an accident. Not only are you unfamiliar with your local surroundings, but you are eating foreign food, and your body is exposed to unfamiliar viruses and bacteria.

Thanks

When purchasing holiday insurance it is important to review the 'Schedule of Cover'; this is the section that sets out the various aspects of the insurance and the amount of cover provided for each under your chosen plan. Most companies will offer different levels of cover, from a Basic policy up to a Premier - meaning increasingly higher levels of cover and a corresponding increase in the premium.