Many of us can be eager to reserve a last -minute spring vacation agreement or plan a summer getaway of a week, but recent investigations indicate that a significant number of people doubts about paying for the additional cost of travel insurance.
The last How We Live of Aviva, made by Censuswide between November 8 and 15, 2024, surveyed 4,000 16 -year -old people throughout the United Kingdom. The findings revealed that despite the average cost of an canceled trip greater than £ 900, 11% of travelers choose not to buy travel insurance at all.
When commenting on these statistics, Carolyn Scott, director of Household and Subscription of Travel in Aviva, said: “The number that continues to renounce this is still worryingly high. Traveling without insurance can leave people without knowing how to obtain assistance and potentially face significant medical invoices in case of disease or lesions abroad.
“Even before a trip begins, our figures show that the average cost of canceling a vacation is more than £ 900 if something unforeseen occurs in the previous period. To ensure that travelers are properly protected, the insurance must be purchased as soon as a trip reserves.”
So why is travel insurance essential and how can you choose to choose the best coverage for your needs?
What is travel insurance and what typically covers?
“Travel insurance provides financial protection against unforeseen circumstances while you are abroad,” explains Grant Winter, an expert in compliance with the Good To Go travel insurance. “He says he has access to emergency medical treatment to avoid unexpected costs, whether traveling for medical conditions, minor injuries or serious emergencies.
“It also generally provides repatriation to the United Kingdom by air ambulance if necessary, and emergency accommodation for a travel companion to stay with you while you are in the hospital.”
What types of travel insurance policies are available?
The two main types of travel insurance are a single annual trip and multi-viaje.
“A unique travel policy covers it for a vacation, which ends when you return home,” says Winter. “While the annual travel insurance covers it for a full year from the date the policy begins.
“If you travel more than twice a year, either for long holiday or short weekend breaks, an annual travel insurance policy could save you time and money.”
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In addition, if you travel in the short term, having an annual travel insurance policy could give you the peace of mind to know that you are covered, he adds.
Why is travel insurance important, even for short or national trips?
“Experienceing health problems that require medical treatment can be an extremely stressful moment,” says Winter. “However, the situation can only worsen if suddenly he discovers that his insurer is not covered, which can leave him with an invoice for hundreds or even thousands of pounds.”
How much medical coverage should a traveler have ideally when going abroad?
“Travel insurance covers medical expenses and emergency treatment while it is out; we generally recommend having at least 2 million in medical coverage if you travel to Europe, and at least 5 million for other destinations worldwide,” says Winter.
When is the best time to buy travel insurance in relation to the reservation of a trip?
“I recommend buying your travel insurance as soon as you know the dates for your trip so that the cancellation coverage begins immediately,” says Winter.
What are some red flags to consider when comparing the travel insurance policies?
“Sometimes it can be confused to know what he does and does not need to declare in his travel insurance, especially when it comes to past medical conditions or continuous diagnoses,” says Winter.
What your insurance does and does not cover can vary significantly depending on how integral your policy, so it is important to choose an adequate policy for you.
“Most policies will exclude the coverage of pre -existing medical conditions, unless they have declared the insurer, this highlights the importance of declaring their medical history with precision.” Explain winter. “Some suppliers can reject coverage completely to people with certain medical or older conditions of a certain age, which means that people over 65 or those living with medical conditions may have difficulty finding coverage.”
Are the most expensive policies always better or can a solid coverage obtain for less?
“The cost of travel insurance can vary significantly, and is generally based on its medical age and history, as well as the duration and destiny of your trip,” says Winter. “Travel insurance can be more expensive depending on what you need to cover.
“For example, protection for dangerous sports and dangerous activities, such as skiing and diving, can increase the price of your travel insurance. Choosing a more affordable plan is fine if you don’t participate in these activities while it is.”
