The news that various countries either have already or soon will be reopening their borders to UK tourists got travel enthusiasts around the world rejoicing at the fact that holidays will be able to resume as we head into the summer period.
Here at icelolly.com, we want to help you be as prepared as possible for your next trip overseas and have noticed various bits of chatter around travel insurance on social media and the like over recent times, which is why we’ve picked out eight essential tips to consider when booking cover for your break.
It’s always advisable to make sure you take out some form of travel insurance when going away on holiday to protect you and whoever else you may be travelling with. That, you could argue, is even more of a priority now given the world is on its way out of a global pandemic and the need to still practice preventative COVID-19 measures.
As usual, the best thing to do is to consider the type of cover you want and need and shop around for the best quote. Don’t sacrifice some of the more essential things in order to bring the overall cost down, but do your research and pick out the provider that offers the right amount of protection for you, at the right price.
It’s important not to just take out some cover for the sake of being able to say you have insurance, as you need to ensure you are actually protected for the right things such as medical costs, repatriation, flight delay compensation and lost baggage. You’ll often find these come as standard though it’s always best to check.
Does the provider you have opted for include any new COVID-19 related cover in the policy you are about to purchase? Make sure to find out before buying.
As with most insurance policies, whether that be for your car, home, contents or similar, travel cover documents can be a little daunting for those not in the know, filled with complex legalities, acronyms and jargon.
The easiest thing could be to simply check the exclusions section to see what you aren’t covered for, and determine yourself whether you think it would be beneficial to include any parts in your policy. Particularly look out for any COVID-19 related exclusions, as some companies may not honour the terms should you come down with any symptoms, though you should be able to add protection for this in for a slight increase in the price.
Again as with all types of insurance policy, you’ll often be required to agree to a certain amount of excess when taking out the cover. There’s often a mandatory fee and sometimes you can add in a voluntary contribution which should drive down the initial price of securing the protection.
It might be the case that some companies will increase their mandatory excess charge in light of COVID-19 and the increased chance of coming down with the virus, particularly if you are older or have underlying health problems. Just make sure you are aware of what the amount is and how much you would need to cover yourself should you make a claim later down the line.
We’ve touched on this in previous sections, but it really is quite important to ensure you know exactly what the cover you take out protects you for in relation to COVID-19. Find out what the policy includes regarding if you were to come down with COVID-19 symptoms. Are you still covered for medical costs or repatriation? How about if you needed to stay in a foreign country longer than you thought to self-isolate, would your cover pay for extra nights in a hotel?
If anything is unclear, always check with the provider your cover is with before purchasing and they’ll be happy to talk things through with you.
Once again, perhaps the easiest way to discover more about your level of COVID-19 cover and avoid confusing yourself is to simply check what isn’t included in your policy relating to COVID-19. From there, you can decide whether your cover is fine as it is or whether you would like to add more to it.
It’s probably advisable to get the most amount of protection possible in order to be on the safe side, particularly if you are part of the older generation or have underlying health problems, and you may find the price doesn’t increase too much in any case.
You’ll often find that all insurance policies will still be valid if the government officially changes its travel advice for a certain country, providing you took the cover out before any amendments were communicated. This should still be the case if the government was to change said advice for anything to do with COVID-19, meaning you wouldn’t be stuck abroad or forced to pay your own medical costs in such cases, providing of course your original policy covered that.
You may feel we’re starting to sound like a broken record here, but the best thing is to clarify this with your proposed insurance provider before taking out the protection just so you have all the information you need.
For the most part, insurance policies taken out separately to your holiday package tend to last for a year which means you’ll be covered for an upcoming break and any others you may take at any other point in the following 12 months. However, if you were to add insurance as an extra to your holiday when booking, you may only be covered for that particular trip, so consider whether you’ll be likely to travel again further down the line before deciding on the length of your protection.
Just make sure you definitely are covered for the duration of your booking and don’t, for example, take out a week-long policy for a two week holiday. Again, check before purchasing to be on the safe side.
Have we answered all of your travel insurance related questions regarding holidays post COVID-19? If you have any other queries, tweet @icelollyholiday and our team will be happy to assist.!