It sounds like such simple advice when someone tells you to purchase single trip holiday insurance before going away. In theory, it is simple - and very necessary; in reality, it is far from simple and, while it is necessary, there is not one policy that will fit everybody's needs. The ideal policy depends on the individual needs of travellers, and these vary from person to person and for one destination to another. Nonetheless, there are universal considerations regardless of what policy you decide to buy. The following will guide you on how to narrow down the myriad choices you have.
Ask About Policies with Existing Medical Conditions
Typically, single trip holiday insurance policies cover just the basic medical benefits, especially if it is only going to be a short trip. Travel cover will generally provide medical assistance, but when asking about the medical benefits, be sure to ascertain the specific help that the insurance company will be able to provide under the terms of your policy and for what types and severity of injuries it applies. Moreover, if you have an existing medical condition that requires very specific medicine or procedures, it might not be automatically covered by your policy – although you may be able to pay extra for this. It always pays to ask and know all your options.
Ask the Terms for Under 18 Travellers
Families can purchase single trip holiday insurance that protects every member of the family. While it is reassuring that everybody is covered, it also means that you will be paying for more people, and that, naturally, translates to a bigger expense. However, if you're travelling with a child under 18 years of age, chances are you may be able to get free coverage for them or, at least, a discounted rate. Also, be aware that children have different needs and concerns than adult travellers and may need different types of medical assistance. Establishing clear answers on the terms and conditions of every person covered under the policy should be a priority.
Ask the Terms for Over 60 Travellers
While there are single trip holiday insurance policies for travellers under 18, there are also policies for those over 60. Similarly to the terms for younger travellers, older people may need special treatment and medical assistance while travelling and it will help if the policy you choose takes this into account. Travelling with parents or grandparents can be a memorable bonding experience , but at the same time you need to think about the possible safety and health risks they may be exposed to and address them in the terms of your cover.