Travel insurance: a guide to a hassle-free holiday

You’ve booked the holiday you’ve been dreaming of all year. The itinerary is set. The excitement is building. But, before you start packing, there’s one crucial item to check off your list: travel insurance. Whilst not legally mandatory, it’s a safety net that can save you from unexpected hiccups on your travels.

Travel insurance is your trusty sidekick, ready to support you and leap into action not just for medical emergencies but also for lost luggage, unexpected delays, or worse yet – cancellations!

Creating your safety blanket – what to look for in travel insurance

In this digital age, securing travel insurance online is a breeze. A few clicks, type some words, , and you’re set to go. However, tread carefully with the convenience of these online quotation services.

When applying for travel insurance online it is extremely important you carefully read and understand what each question is asking. For example, if you’re asked about pre-existing medical conditions be thorough and honest. Misinterpreting a single question could leave you without coverage when you need it most.

Full disclosure: The key to coverage

Remember to share every anticipated activity with your travel insurer. Whether you’re planning on bungee jumping in New Zealand or a taking a pottery class in France, full disclosure is always best.

Here are other essential factors to disclose:

Pre-existing medical conditions: disclose any conditions, even those managed with medication. Even if you’re in the early stages of a diagnosis, it’s worth mentioning.

Work-related activities: whether it’s a conference or construction, let your insurer know.

Sporting activities: active holidays need active coverage. Make sure your policy matches your energy.

For the spontaneous souls, it’s best to anticipate any and all potential activities to check if they’re covered. Here are examples of activities you should be verifying:

Hiking: check your policy’s altitude limits before setting out on those explorations.

Scuba diving: Check the depth your policy covers; don’t let a deep dive become a deep problem.

Jet ski: Exhilarating, yes, but is it included? Confirm before riding the waves!

In case of any emergency immediately contact your insurers 24-hour helpline. We would suggest having this saved before your trip. Do not wait to report something: prompt reporting ensures the claims process is smoother and lets you know straight away if you are covered.  

Additional tips for a worry-free holiday:

Electric scooter and quad bike rentals: They may seem harmless but, accidents do happen. Check your coverage if you are likely to book.

Expert advice: If in doubt at any point, our travel insurance specialists are available to help you get the advice you need. Call them while you’re away if you wish, they’re there to help.

Safe travels!

Life is completely unpredictable, so travel insurance is your invisible companion. It ensures that no matter what happens, you can focus on making memories not managing mishaps.

Remember, the best policy is one that fits your unique travel plans and activities. And by working with a trusted insurance broker, you shift the responsibilities on their shoulders, leaving you free to adventure with ease.

This is why we champion a personal approach at Howden. We’re here to help you navigate through the complexities of your travel plans, so no detail is overlooked. For more information on travel insurance please give our specialist team a call on 01993 894 700.