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There's a lot to organise when you're going on holiday, but organising travel insurance should be high on your “to-do” list. With so many companies out there offering so many different options, it can be difficult to break through the jargon and find the right policy. Our guide should help you find the right option for you.
Falling ill while overseas could be disastrous for your bank balance if you don't have travel insurance.
If you fall ill on holiday, or require treatment or an air ambulance back to the UK, costs could easily run into thousands of pounds. An air ambulance from the east coast of America, for example, could cost between £35,000 and £45,000, according to the Foreign, Commonwealth and Development Office (FCDO). So, as a general rule, consider a policy that covers for medical expenses of at least £2million. Be sure to double check that your policy will pay for an air ambulance back to the UK should you need one.
If you are travelling to Europe, you must also ensure that you take your free GHIC (Global Health Insurance Card) with you. This will give you the same rights as local residents to medical care, although it doesn't include things like emergency repatriation.
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