Travel insurance has become a vital factor of travel following the pandemic. With horror stories about repatriation costs, being stuck overseas, or cancelled holidays, getting decent insurance should be as big a priority as packing your suitcase! Best10Scout provides independent, detailed reviews to help you separate the best from the rest and choose a travel insurance provider you can depend on in a pinch.
What to Look For in a Travel Insurance Policy
There are so many places to buy travel insurance these days, and it's hard not to be bogged down by choice. Whether you sign up with your travel agent, purchase a policy from your bank, or go for an independent insurer, the cost is one of many considerations. You can pick up a basic policy for very little, but it's important to check out:
The excess and cover limitations - single items limits of £150 won't protect a smashed phone, nor will it be of any use if you have a £250 excess to pay.
Health cover - one of the most important times to have full insurance is getting sick or injured. Repatriation (usually return travel with medical support) can be extremely costly, so it's well worth having.
Annual travel insurance can be cost-effective, but it may equally have limitations, and some coverage will exclude certain destinations. It's also important to think about what your holiday has cost, including flights. If something happens and you need to cancel, you'll want coverage that will reimburse accommodation, pre-booked excursions, travel, car hire and anything else.
Key Features of the Best Travel Insurance
Many people travel with the confidence that they have insurance rolled up in their home insurance policy or have coverage as a perk of a bank account. The issue is that standard policies can prove to be expensive pieces of paper and won't include medical conditions or injuries sustained doing dangerous activities - including horse riding. Here are some of the features the Best10 team looks for:
24-hour emergency helpline access.
Options to add cover for winter sports and other specific trips.
Insurance coverage for pre-existing medical conditions.
Great medical expenses cover.
Transparent information about baggage cover.
No age limits. If you travel more than three times a year, an annual policy may be much cheaper than buying single-trip insurance, but again it's important to check the terms carefully.
Comparing the Best Travel Insurance Products
Insurance can be stressful, and it's often all but impossible to compare two policies on a like-for-like basis, with different excesses, coverage limits, services and medical exceptions. Choosing an excellent travel insurance provider should, in most cases, be something you'll never have to rely on. Still, if something goes wrong overseas, you'll need that support to ensure you get home safely, without losing out on any lost or damaged belongings. With ever-changing travel rules, it's also possible that planned trips will be cancelled if guidance at home or abroad changes, and having insurance cover may be a condition of a travel visa. To compare the best travel insurance products at competitive prices and with robust protection against a range of scenarios, take a look at the Best10Index travel insurance ratings for clear, independent and instant advice!
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