Whether you’re going on holiday to relax on a sunny beach or enjoy some winter sports, there’s a travel insurance policy for you.
Essential cover includes protection worth up to £5,000 should you have to cancel your trip, certain activities or cut it short due to reasons that aren’t your fault.
Eligible reasons for a cancelled trip can include:
According to European Regulations, you can claim compensation when flights are cancelled for 3 or more hours and it’s the airline’s fault.
You also have medical and repatriation cover worth up to £10 million (with a £75 excess) and personal liability up to £2 million. You’ll also get personal accident cover plus legal advice and expenses worth up to £25,000 with no excess to pay.
It pays to know what your travel insurance does and doesn’t cover. There are instances where people have tried to make a claim but find that it was never part of their policy. Travel insurance and alcohol is a good example, as it invalidates injuries and illness claims.
Other common areas that are often excluded include:
For these reasons it’s important that you check your travel insurance carefully and add any extras you may need. This could be organising travel insurance that covers cycling if you’re planning a few weeks mountain biking across Europe.
Destinations that your insurer hasn’t agreed to cover, general delays and refreshment costs for short delays are rarely covered too. Most travel insurance policies won’t pay out if you cancel a trip simply because you change your mind either.
Dental treatment (except to alleviate sudden pain) and natural damage to luggage (wear and tear due to weather, for example) aren’t normally insured either.
Whatever type of travelling you’re planning, there’s an insurance policy available that will have you covered.
When heading off to the Alps for some winter sports, travel insurance usually increases as skiing and snowboarding pose a higher risk than laying on the beach. The same is true for other sports, including horse riding or hiking at high altitudes. This is why you might need a specialist policy.
Aside from extreme sports travel insurance, you can also find tailored options that enable you to still go on holiday safely whatever your age or with a pre-existing medical condition. During the application process you just need to declare this and the insurer will assess your risk. Sometimes, cover may not be possible but we’ll always explain what your options are or what limitations would be in place.
To stay safe on your next trip, check that everything you need is covered before you leave. Find out more about LV= travel insurance today.
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