When is travel insurance necessary?

It is worth noting that you can travel without travel insurance, although it would mean you will need to take care of all potential expenses yourself. This would include medical emergencies, which can easily reach thousands of pounds.

If you’re travelling, it’s important that you purchase the right travel insurance for your needs. Although you might have travel insurance included with your bank account, tour operator, or even just alongside your flights, the cover may not be enough in the event of a medical emergency. For this kind of cover, especially in relation to pre-existing conditions, medical travel insurance is essential.

While some countries have reciprocal health agreements with the UK - such as the EHIC/GHIC, or Medicare - there might still be additional charges or fees. Appropriate travel insurance can help take care of those, as well as all the necessary cancellation, baggage, and travel delay benefits.

Related FAQs

1. How do I make a claim in the event of poor weather?
2. Am I covered for disruption due to natural disasters?
3. Am I covered for travel disruption caused by the Icelandic volcanic ash incident?
4. Am I covered to drive abroad?
5. Can I cancel my policy if it does not meet my needs?
6. Can I extend an individual trip policy from abroad?
7. Can I increase the personal possessions limit?
8. Can my family travel independently on an annual policy?
9. Can we be insured as a couple on the same annual policy?
10. Do you cover cruises?
11. Do you provide cover for Scheduled Airline Failure?
12. How do I get adequate liability cover for driving in USA?
13. How do you define UK resident?
14. How many days can I be abroad on an annual policy?
15. How much are my golf clubs insured for?
16. Is it possible to extend the trip limit on the annual policies?
17. Is the cover per person or per policy?
18. Is there an excess?
19. Should I contact you each time I travel on my annual policy?
20. What is the EHIC?
21. Should I take an EHIC card?
22. What does a single or individual trip mean?
23. What if my Travel Agent is forcing me to take their insurance?
24. What if my travel plans are affected by extreme weather conditions?
25. What if the staff from the airline I am travelling with go on strike or threaten industrial action?
26. What is the single article limit?
27. Can I cover my gadgets whilst abroad?
28. When is travel insurance necessary?
29. When does travel insurance need to be purchased?
30. Am I covered if there were to be a terror related attack?