On the run up to your holiday the last thing you want to be thinking about is organising and paying for travel insurance. Finding the right level of cover can be both confusing and time consuming at an already busy time of year, however don’t let this put you off purchasing before you leave. 

Many travelers each year make the mistake of heading abroad without the appropriate cover in place, only to regret it later. For instance without holiday insurance in place, who do you turn to when your suitcase goes missing or if you require medical help whilst abroad? Travel insurance protects you against the unexpected and can provide you with both financial and practical assistance in a time of need. Without an insurers help it can be stressful and difficult communicating with airport or hospital staff in a foreign country and travel insurance takes this hassle away from the customer. You are on holiday after all!

So which policy do you buy? This depends on the type of holiday you are going on and if it is a one off trip or one of many planned over the next 12 months. Single trip insurance is relatively cheap to purchase but if you are planning more trips during the year, it will work out more cost effective to purchase annual travel insurance. If you plan to take part in any extreme sports while abroad such as skiing or scuba diving make sure these are covered or added on to your policy. Moreover if you are over the age of 65 or travelling as a family, there may be further discounts available to you.

Travel insurance can be bought online, via an insurance broker or even at your supermarket or local Post Office. In recent years it has become a highly competitive market so we would definitely recommend shopping around before taking out cover and comparing the benefits each policy has on offer. Insurers frequently offer seasonal discounts so check out if there are any around at time of purchase.

I guess like with any insurance, you don’t realise the benefit of travel insurance until you need to claim and then the premium you have paid seems worth every penny. Holiday insurance also gives you the peace of mind that in event of a claim, there is someone on the end of the phone to offer you advice and help you in your hour of need.

easylemonsqueezy.co.uk advise travelers to take out appropriate travel insurance before every holiday whether your off on a 2 day break or 3 week jaunt.

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