If you are planning on travelling abroad, or even holidaying in the UK, with your family this summer, don’t forget how important it is to protect them – so cover your risks. With over 48% of parents opting to travel without the right level of insurance, make sure you are aware of the consequences of doing so.
Illness and injury on holiday
Travel insurance might seem like an unnecessary expense, but a lot can happen to either prevent you from going on holiday or affect you while you are away that means you could end up seriously out of pocket.
You might not be surprised by that statistic, but it is unsettling as a quarter of people have either cancelled or almost cancelled their trip due to their child being ill. Plus, more than a third of those asked had a child fall ill or injured while away.
While a family holiday might be seen as ‘a nice to have’, the disappointment of missing it or the additional costs and stress of dealing with illness or injury while away turns a fun trip into a nightmare.
More importantly, you want to make sure that you and your children have the right and best care in the event of an incident while away.
Choosing the right cover is key
Even if you do religiously purchase travel insurance before a trip, make sure that you have the right level of cover – and know what rights you have elsewhere too.
If you choose an ATOL protected holiday package, then this will give a small level of cover in the instance that your travel company goes bust. Paying with a credit card might also give you some protection as well.
You should also check your home insurance for an ‘all risks’ clause that will likely cover you for items stolen while abroad. Finally, if you are travelling in Europe this year, if you have a European Health Insurance Card (EHIC), you will have access to some free healthcare while on holiday in European Economic Area (EEA) countries and Switzerland. You can find out more about the EHIC on the NHS website.
Peace of mind…
However, all these things won’t give you complete peace of mind. Some of the key items to consider and check your travel insurance for include repatriation, cover while on a cruise and mountain rescue. Other areas to consider are costs for private ambulance and healthcare services – which will not be covered under the EHIC.
Travel insurance also provides you with an additional level of protection for any legal expenses, emergency treatment and cover for personal belongings.
Of course, even with travel insurance, you need to check that your cover is right for you. The excess needs to be set at a level that you are comfortable with in the event of a claim. This also needs to be balanced with the premium that you pay. There are also usually different types of cover depending on where you travel to and the type of holiday that you are going on.
Did you know that All Med Pro offers travel insurance to healthcare professionals?
With so many options available, it helps to speak to a trusted broker who has your interests at heart. To make sure you have the protection that you and your family need when on holiday, contact the specialist team at All Med Pro.