Multitrip Travel Insurance Blog

We can all recall that at some point or other someone has recommended we take out some form of cover when we travel. Indeed you may have read one of the many articles in abundance on the subject. I myself have written many articles on the topic of travel insurance, including guides and coverage of news items worthy of interest. However, it suddenly dawned on me that I had failed to examine perhaps the most fundamental part of travel insurance; this being the cover it has to offer. I’ve maybe touched on it in earlier articles and made brief reference to levels of cover to aim for. Yet, I haven’t evaluated each aspect of cover and how this relates to you the potential purchaser.

The key features of the majority of holiday insurance policies are as follows;

1: Medical cover; this feature will cover the costs of hospitalisation and medical treatment you receive whilst on your holiday. If you are travelling in the E.U you will benefit from a European health card as this will cover initial emergency treatment, your insurance policy will pay out for treatment over and above this. Whilst travelling in Europe you should seek at least £1 million in medical cover. The cost of treatment in the U.S.A is likely to bankrupt the average person so here this cover is essential and a figure of £2 million in protection should be sought. It is important to remember to volunteer any health problems you suffer from, however minor they may seem, to your insurer. Failure to do so could result in voiding of the policy. (more…)