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Why You Should Read Your Travel Insurance Small Print

What to know before you go.

Travelers dancing

Many people jet off on holiday every year and before they go, they buy some travel insurance. This is a really good idea, but the problem is that many people don’t read the small print of their insurance before they go. This is why we have put together some reasons why you should read the small print on your travel insurance in this article. Keep reading if you’d like to find out more.

Policy Limits

One of the main reasons that you need to read the small print on your travel insurance is to see what your policy limits are. You might find that you are not quite covered for as much as you originally thought and that there are certain excess limits that you need to know about. There are now new documents that companies have to give you the option to see called IPIDS (Insurance Product Information Documents). These will show the basic policy limits and exclusions for policies. It’s good to have a look at these to see what the policy will include in a nutshell to help narrow down your choices.

Reporting Theft

If you are unlucky enough to have something stolen from you when you are on holiday you might want to make a claim on your travel insurance. However, you will probably find that on most travel insurance policies there is small print that requires you to report the incident within a certain period of time. Many people don’t realise this as they haven’t read the small print and they find that they cannot make the claim as they have missed the deadline, or are already home.

Medical Conditions

If you are getting travel insurance because you want to protect yourself if something were to happen while on holiday, then you need to make sure that the small print about medical conditions is read in advance. Some companies may not ask you for details about your medical conditions so if you don’t make it obvious right away then you might not be covered should they cause a problem. When it comes to travel considerations with high blood pressure, you may need to make sure that you let your insurer know beforehand.

Activities

Do you think that you might be doing a lot of extreme activities when you are on holiday? If so then you might need to read the small print of your travel insurance carefully. This is because many activities that you might not consider to be extreme are actually considered this way by your insurer. Always check what sort of activities that you are covered for and don’t be afraid to pay a little extra if you think you are going to need this sort of cover.

Cancellation

The final reason that you should make sure that you read the small print on your travel insurance policy is to see if you are covered for cancellations. None of us intend to cancel our trips but sometimes life gets in the way and we need to. Some policies will cover you for cancellations, however make sure to find one that does and don’t forget to read the small print to find out about how you are covered and what the conditions are.

Final Verdict

If you are planning on taking out some travel insurance before your next big trip, you should make sure that you read all of the small print carefully. You need to know exactly what you are covered for in order to make your holiday run as smoothly as possible. If you find that you are not covered for everything you need to be then make sure to shop around and find the best travel insurance that suits your needs. Always read the small print and you should be just fine.

Filed under: Travel Guide

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