Insurance is one of those things that you really don't want to skimp on. Hopefully you'll never need it and if you do, you will wish you paid that little extra for the best cover.
Whilst an offer for daily coverage from 25p per day may seem like a great deal to save money, you need to carefully consider your trip and what the cover offers.
Here are a few things to look out for when choosing insurance:
1 - Trip length
If you're planning a trip for more than 30 continuous days, please make sure you're covered for it. Many insurance packages claim to be perfect for those on a trip of a lifetime, but won't pay out when it comes to crunch time if you've been away for more than a month.
2 - Belongings and activities
Now that you've established your trip legnth is covered, make sure your belongings and travel arrangements are covered.
Some insurances will pay out if your flight is delayed by a period of time, some will only cover you for scuba diving to certain depths. Motorised watersports are rarely covered as standard, so if you're heading to warmer climates make sure you have this added on to your policy- this is usually possible to do online at time of purchase for minimal extra cost. If you don't add this, and you decide it's something you want to try while you're there, you might be all too easily tempted to take the plunge uninsured.
Be careful not to void your insurance by taking part in activities that you're not covered for.
3 - Destination
Many so-called 'worldwide' insurance policies don't include the USA or the Caribbean unless you specifically select that option- and it's usually a little pricier.
4 - Claims
Make sure the maximum single claim value is large enough to cover you if your entire bag goes missing.
Also make sure you know how to go about making a claim before you head off on your travels. The last thing you want to do when dealing with the stress of needing to make a claim is to battle through the insurance paperwork!
In case of missing your flight, make sure you can prove that you allowed enough time to make it to the airport. The insurance company (sadly, and rather unfairly in our opinion) won't pay out if you have one too many Singapore Slings and miss your alarm...They will however pay out for situations out of your control, such as your hire car breaking down (remember to obtain proof from the hire company).