UK Travel Insurance, Travel Insurance UK

By: EconomyWatch   Date: 26 May 2010

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UK travel insurance ensures peace of mind in addition to the cash cover that it promises if you are faced with an unfortunate event while on a trip. A standard travel insurance UK policy offers protection in case of:

  • theft or loss of personal belongings,
  • medical emergency,
  • legal expenses related to accidents or injuries,
  • personal liability if the insured causes an injury to a person,
  • cancellation or delay of the trip,
  • personal accident / injury while on the trip

    • UK Travel Insurance: Rising Demand

    As per the Foreign and Commonwealth Office, the number of British citizens going on holiday trips is ever rising. Although government grants may provide assistance, they are not a sufficient cover in case of a mishap.

    According to a survey conducted by the largest general insurer in UK, Norwich Union, every one in three Britons who planned to holiday in 2008 considered travel insurance as an important consideration for the trip, especially to cover unexpected cancellations.


    Considerations when Buying UK Travel Insurance

    Look out for specialized travel insurance options. One can save on premium for activities that one may not be undertaking. Prefer a policy with a “cooling off” period. One can get the money refunded if a particular cover is not needed.

    Pre-existing medical conditions should be declared to the insurance company so that the claims are not rejected when needed.

    Travelers should acquire the travel insurance policy as soon as they book the trip. This protects them against the cancellation of the holiday due to unavoidable circumstances. Coverage is also available against delays.

    Missing a flight due to transport problems can also be covered by the policy.

    UK travel insurance is complemented by the FCO (Foreign and Commonwealth Office) and EHIC (European Health Insurance Card) in ensuring the safety of British travelers. It is advisable that travelers consult the FCO about the countries they intend to travel to before leaving the UK. The EHIC entitles travelers to state-sponsored emergency medical treatment in countries within the European Economic Area.


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