Family Holiday Insurance Basics - Make Sure Everyone’S Covered!
If you're going away on a family holiday, insurance is one thing you definitely need to purchase. Next to making sure you get the best deals on fares and accommodation, ensuring you have the right policy to cover you and your family could mean the difference between an enjoyable break or a disastrous one.
Know the basics
For full coverage for a trip away with the entire family, holiday insurance packages can provide for everything you will need in a single policy. Such plans include cover for cancelled trips, interrupted trips, medical emergencies, evacuations, delays, and lost luggage, as well as overseas assistance in case of emergencies.
Travel policies are available for both individuals and groups, and provide a simple and comprehensive solution to various needs - they make up 94% of all plans purchased. Family holiday insurance policies can be customised according your specific needs, and are not only cheaper than purchasing an individual plan for every member of the group, but also save a lot of time, effort and paperwork. And when a sudden emergency comes up during your travels, the last thing you will need is to have to wrangle mounds of red tape.
Customising your plan
Although, generally, policies provide the very basic necessary coverage they can still come with extra options. It may be tempting to simply pick the most inexpensive one available, however it's important to consider what would constitute the best cover for your particular needs - as everyone's will vary.
Your first consideration is the €must-haves', such as cover for trip cancellation, medical emergencies and evacuation, and lost luggage. Next, consider specifics. For example, if one or more members of your family have pre-existing medical conditions, you will need to ensure they are disclosed, or you may have trouble with claims later. If your travel includes connecting flights, you may want to include a rider for missed connections as well as delays. Also, if you are travelling to an area where hurricanes commonly occur, it is practical to include hurricanes as an extra. One of the most popular options is the €Cancel for Any Reason' item: this allows you to be reimbursed should you need to cancel or postpone your trip for reasons such as schedule conflicts, work, and the like.
Other add-ons
If you are planning on taking part in what may be considered as €hazardous sports' - such as skiing, snowboarding, skydiving and the like - you may want to include hazardous sports coverage to your basic family holiday insurance policy. If you're planning to drive, you may need additional cover to ensure you will not be liable for damages and medical costs should you meet with an accident while in a rental car. Another newer item that is becoming popular is additional coverage against identity theft, along with the lost or stolen luggage option.
Now what?
After paying for your policy you will, of course, need a printed copy - especially if you've bought it online. Take some time to review it and verify details - many agencies provide a cooling off period. Make sure you read the exclusions section carefully, and don't be afraid to contact the company with any questions.
Know the basics
For full coverage for a trip away with the entire family, holiday insurance packages can provide for everything you will need in a single policy. Such plans include cover for cancelled trips, interrupted trips, medical emergencies, evacuations, delays, and lost luggage, as well as overseas assistance in case of emergencies.
Travel policies are available for both individuals and groups, and provide a simple and comprehensive solution to various needs - they make up 94% of all plans purchased. Family holiday insurance policies can be customised according your specific needs, and are not only cheaper than purchasing an individual plan for every member of the group, but also save a lot of time, effort and paperwork. And when a sudden emergency comes up during your travels, the last thing you will need is to have to wrangle mounds of red tape.
Customising your plan
Although, generally, policies provide the very basic necessary coverage they can still come with extra options. It may be tempting to simply pick the most inexpensive one available, however it's important to consider what would constitute the best cover for your particular needs - as everyone's will vary.
Your first consideration is the €must-haves', such as cover for trip cancellation, medical emergencies and evacuation, and lost luggage. Next, consider specifics. For example, if one or more members of your family have pre-existing medical conditions, you will need to ensure they are disclosed, or you may have trouble with claims later. If your travel includes connecting flights, you may want to include a rider for missed connections as well as delays. Also, if you are travelling to an area where hurricanes commonly occur, it is practical to include hurricanes as an extra. One of the most popular options is the €Cancel for Any Reason' item: this allows you to be reimbursed should you need to cancel or postpone your trip for reasons such as schedule conflicts, work, and the like.
Other add-ons
If you are planning on taking part in what may be considered as €hazardous sports' - such as skiing, snowboarding, skydiving and the like - you may want to include hazardous sports coverage to your basic family holiday insurance policy. If you're planning to drive, you may need additional cover to ensure you will not be liable for damages and medical costs should you meet with an accident while in a rental car. Another newer item that is becoming popular is additional coverage against identity theft, along with the lost or stolen luggage option.
Now what?
After paying for your policy you will, of course, need a printed copy - especially if you've bought it online. Take some time to review it and verify details - many agencies provide a cooling off period. Make sure you read the exclusions section carefully, and don't be afraid to contact the company with any questions.
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