Get travel insurance before you go
For many of us when booking a holiday, travel insurance is something we can sort out later – as long as it’s in place before we go, all is well.
But in waiting so long, you’re throwing away much of its value. Travel insurance isn’t just designed to cover you while you’re away on holiday – it’s also there in case anything happens before you go.
Cover when you need it
Many people ignore travel insurance altogether when planning a short holiday in an effort to save money. If you’ve never had a bad experience travelling before and are in good health, there’s no real reason to believe anything might go wrong.
What’s much more common however is to have something occur that might prevent you from going on holiday in the first place.
You or a family member could be diagnosed with cancer, need medical attention or sustain and injury or a broken leg that makes going on your holiday impossible.
If you’ve ever been in that position, you know it’s unlikely to get a refund for your plane tickets or any prepaid accommodation. It isn’t the hotel or airline’s fault you can’t travel, after all – they still have seats and rooms available to you.
This is exactly the scenario travel insurance is designed to cover you for. If something happens before you travel and you can’t go, your insurance policy will cover everything from illness to cancellation. The only catch is – you need to have it in place before you go.
That’s why booking your travel insurance when you book your holiday is the best way to go.
If anything happens between the time of booking and the day you’re meant to travel, you’ll already have an insurance policy that can help you recoup any money you might have otherwise lost by cancelling your trip.
Buying travel insurance
Unlike some other insurance types, travel cover is inexpensive and easy to secure. There are plenty of affordable policies that offer good value for both single-trip and annual insurance.
If you travel regularly – say two or more times a year – an annual policy will likely make the most sense for you. It means you’re covered for all your travel throughout the year, and by purchasing once rather than several times for each individual holiday, you can save money, too.
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Disclaimer
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Rachel - Silversurfers Assistant Editor
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