Travel Insurance Review

Travel insurance is an insurance plan meant to protect any policyholder against unexpected and unforeseen events, especially when they are far away from home. It covers issues lik

Travel insurance is an insurance plan meant to protect any policyholder against unexpected and unforeseen events, especially when they are far away from home. It covers issues like a passport stolen,  trip cancellation, urgent medical assistance, and many more. There are two main types of covermore travel insurance plans:  Annual Multi-trip and Single Trip. Other additional plans include baggage cover, travel disruption, and winter sports. You can also add your friends and family members to your policy. 

Here are some cases that travel insurance international  doesn't cover:

·         When you want to cancel the trip due to measures like local UK lockdown restrictions, or FCDO advice against travel. 

·         When you travel against the advice of local authorities in the UK or FCDO. like breaching  lockdown or quarantine rules.

 Why do you need a travel insurance policy? 

Like any other type of insurance, travel insurance helps a policyholder in case something unforeseen or unexpected happens. This includes losing your track, having an accident, or being delayed can be much more costly to deal with especially if you're aboard.  You may also need help in case you’ve been injured on a trip because it wasn't your fault, right?  Make sure you whether your plan covers emergencies or not.  Plus, ensure your policy includes current accounts and credit cards.  Therefore, before traveling, check if these things are covered or not.  Also, check if your policy covers activities you’re going to do or places you’ll be going to spend.

Other cheap travel insurances have an optional policy such as travel disruption or belongings.  So, ensure you get the right policy, especially when you want to travel.  Most travel insurance companies don’t cover any event you knew about or could be expected to occur.  Therefore, do your own research about traveling plans before striking a deal with any travel insurance company.

What does travel insurance cover?  

Here are things covered by Annual Multi-trip  and Single Trip insurance:

Up to 10 million pounds for emergency expenses outside the UK:

·         Dental treatment for emergency pain relief

·         Emergency medical treatment

·         Emergency medical repartition to the UK

Up to 5,000 pounds if you need to abandon or cancel your trip:

·         Your redundancy

·         Home being uninhabitable by storm, or fire

·         Injury or illness either you or your partner

Policy  for your travel money and documents 

·         Delayed baggage of close 150 pounds

·         Emergency travel documents expenses close up to 750 pounds

·         Bank and cash notes of close to 400 pounds

What’s not covered   

·         Out-of-date travel documents

·         Your baggage. Unless you’ve already purchased an optional baggage policy.

·         Canceling your trip while at airspace, airport, or port because of unavoidable circumstances.  Unless you’ve already bought the optional Airspace Closure cover.

·         If you travel against the advice of the FCDO

·         Any incident, or circumstance, which was expected to happen during the policy renewal period.

·         Abandoning or canceling a trip if the Foreign, Commonwealth, and Development Office (FCDO) advises against the travel. Unless you’ve already purchased an optional Travel Disruption plan.

Why does travel insurance need to know about your health?

It's important to discuss with Msig travel insurance about your health conditions.  And if you’ve any existing medical conditions,  let them know to avoid issues in the future. Travel insurance needs to know if you've any injury, illness, or disease within the 12 months before renewing or buying the policy. And if you  have any conditions, consider these:

·         Get admitted to the hospital

·         Get prescribed medication

·         Under the care of a professional.

·         Request investigations, medical treatments, or tests

Further, check out your health policy document to learn more about travel insurance terms.

How the claims process works

Travel insurance doesn’t cover any circumstances, events, or incidents that you already know about it. That means you can only claim for an unexpected incident. What do I mean by the expected event?  These are events that are likely to affect your travel, have already happened, or going to occur in near future. Travel insurance with covid cover provides policy at unrecoverable costs.  So, if you need to claim accommodation or travel or any insured individual has paid, then travel insurance will only consider claims for expenses that are unrecoverable from the accommodation or travel agent.

Frequently Asked Questions

·         Does Allianz travel insurance cover strikes?

·         Does travel insurance cover abandon flights?

·         Can I claim if miss my flight due to the delays?