Europe Travel Insurance Advice

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Travel insurance is a 'must' for anyone going away whether on holiday or for business so it is wise to check that the coverage you take out is relevant to the type of trip protection you need. The last thing you want is a huge bill after your travels, medical or otherwise, because your policy did not cover you for what you thought.

There are many different areas to take into consideration when you buy travel insurance. If you don't make sure the coverage is right for you, you may not be protected, so follow these simple tips to help ensure you get the right travel insurance for your needs, what to look out for, and how to compare the policy prices for when you buy travel insurance.

A standard travel insurance package should normally provide compensation for a range of holiday and travel mishaps such as:

Cancellation or curtailment of your trip
Medical emergencies and repatriation
Loss or damage to personal possessions
Loss or theft of money
Personal liability
Compensation for permanent disability or death

Often these areas of cover can be subject to limits, excesses and exclusions so do check your travel insurance policy carefully so you know what you may or may not be covered for.

If you are the energetic or adventurous type, check that dangerous activities such as snowboarding, skiing, white water rafting or journeys to remote areas are included in your travel insurance policy - you may need a special type of insurance or an endorsement to cover your needs. Expenses caused by a terrorism event may be excluded or an expensive item of luggage or equipment may need to be insured separately. Some insurers do not cover people over the age of 65 or 70, and if you have any existing medical conditions, these also may not be covered.

It is true that your household insurance coverage will offer cover for personal items and you may be able to remove these from your travel insurance cover to save you money. Also your credit card providers may offer some limited travel insurance cover. If you are traveling for business your employer may offer some travel insurance cover.

So where do you go to find the most suitable travel insurance for you? You can buy travel insurance from many different sources, travel agents, tour operators, banks, the post office, credit card providers or direct from insurance companies. The easiest and quickest method is online and Edinburgh travel insurance offers a comprehensive service which is easily accessible.

In short, if you follow these steps, you can be sure that you have the right travel insurance cover for you and that you have not paid over the odds for this peace of mind.

Consider what cover you need
Consider where you are going and what you are going to do. Take into account the travel insurance cover you may already have with other policies that you own. Tell your insurer all the relevant facts i.e. your age and any existing medical conditions. Shop around and compare travel insurance prices. Check your policy carefully.

When you go to buy travel insurance, you want to make sure you have got the right price for the cover you need.

Finally, before you go away on your trip, make sure you take a copy of your travel insurance policy and a note of the telephone number in a safe place, and of course, take good care of yourself and your belongings whilst you are away.

You can now look forward to your trip safe in the knowledge that you have done everything necessary, and that if anything were to go wrong, you would be fully covered. But of course we all hope it won't and thankfully the majority of the time it doesn't - but you should always be prepared!

Bethanie Ashley is a frequent traveler keen to pass on time and money saving advice to others. Further useful information such as how to get to the airport, public transport, Edinburgh parking, Terminal facilities, Airport security, Airlines, destinations, and for booking and paying for airport lounges, car rental, airport parking, travel insurance and foreign currency, can be found on the Airport Information

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