Every journey should run smoothly, whether it’s for business or pleasure, but sometimes the unexpected can happen causing all of your well-laid plans to be turned into chaos. Travel insurance offers protection against unexpected events and shields you against any additional expense that these incidents can incur. If you want to protect yourself from the worry of disruptions and unforeseen costs, we can help you find the best travel insurance policy to suit you.
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Whether you’re travelling in the UK or venturing overseas travel insurance will give you peace of mind that you’ll be able to get help in the event of disruption, transport cancellation or unexpected health problems. All policies differ so take a look at the different types of travel insurance and what they’ll cover.
Our table of trusted providers offers you a wide range of options to suit your specific needs and you’ll be able to make your journey and enjoy your holiday, without the worry of additional bills should things go wrong. Healthcare, car hire and accommodation in the event of travel disturbance can prove very costly without the right insurance. We compare the different insurers to help you come to a decision.
Types of travel insurance
If you’re only planning one trip in the next 12 months, then this policy is ideal. You’ll be able to source insurance that will cover either you, travelling alone, or as a couple, or a whole family. The policy applies to countries across the globe as long as your visit is all part of the same trip. This policy is cheaper than an annual policy.
This option is very useful for those who’re planning to take a few trips within the next 12 months. This option is cheaper than investing in a single trip policy for every trip you make within a year. Make sure that all your journey destinations will be covered and check up whether there’s a day limit for each journey.
If you’re over 65 or have a pr-existing health condition you must tell your insurer as the premium costs will reflect this. Should you choose not to inform your insurer then you may find that you’ll have to pay your emergency healthcare costs yourself. There are insurers who specialise in policies designed to meet the needs of this category.
An increasing number of people enjoy taking part in extreme sports or simply pushing their activity boundaries when they’re on their travels. Rock climbing, scuba diving , endurance runs all come into this category. If you’re going to take part in any of these, then you’re going to have to take out an adventure sports policy as standard travel insurance won’t cover these activities.
Given that so many things can go wrong when travelling it’s a very good idea to make sure that you’re protected against all eventualities. Having to pay overseas health costs yourself can be prohibitive that’s why travel insurance makes sense. Theft, loss of goods or transport cancellations and delays are part and parcel of modern life, by taking out travel insurance you’ll be compensated for these troubles.
ASDA Money Travel - Value
Offer Details
Use code DISC10 to get 10% off when purchasing your Travel Insurance with Asda Money (Terms and Conditions apply)Benefits
ASDA Money Travel - Premium
Offer Details
Use code DISC10 to get 10% off when purchasing your Travel Insurance with Asda Money (Terms and Conditions apply)Benefits
ASDA Money Travel - Superior
Offer Details
Use code DISC10 to get 10% off when purchasing your Travel Insurance with Asda Money (Terms and Conditions apply)Benefits
Battleface - Single Trip
Benefits
Battleface - Annual Trip
Benefits
Travel insurance covers most unforeseen circumstances. There are some exemptions though, so it’s important that you’re aware of these and always read your policy small print.
When to get travel insurance
You should buy your travel insurance as soon as you book your journey, taking your travel costs into account. If your trip is cancelled then, at least you’ll be eligible for compensation.
Covering medical expenses overseas can prove very costly, Travel insurance will provide cover so that these expenses can be made. Some policies will offer you £1m for Europe and £2m for the US. These policies should also protect you against the cost of being flown back home – repatriation – should you be affected by a medical emergency. Your age and your health should also be taken into consideration when comparing policies.
Very often things don’t go to plan, and you might have to cancel or postpone your trip but have already paid up- front for your accommodation and can’t reclaim this cost. Most insurers, if they agree that the circumstances are beyond your control, will offer you £2,000 or more to cover these costs. Most insurers will help with compensation for any additional costs you may incur with £500 or more as long as you can prove that the delay or cancellation isn’t your fault.
Different insurers offer different timescales for your travel. A single trip policy will insure you for a maximum of 180 days, but this figure does vary from company to company. Multi trip cover also varies from 31 to 91 days. The same rules apply for worldwide cover so please check the policy before booking.
If you’re waiting at the airport baggage carousel and your goods are missing, they may have been lost, damaged stolen. Your policy will provide compensation of £1,500 or more but this does depend on you reporting this loss within an allotted timeframe and providing airline confirmation to present to your insurer, if you believe they are responsible for the loss. Make sure you check all the Ts & Cs as policies do vary on the amounts they’ll offer you as compensation.
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