Travel insurance can provide you with financial and practical help if something goes wrong on your trip. This could be paying for lost luggage, medical bills or accidents or covering flight cancellations or theft.

When choosing your travel insurance, make sure you check the exclusions to see exacly what you are and are not covered for. You may have to pay extra to get existing medical conditions covered, remember you must always disclose any medical conditions or your insurance company may be able to invalidate your claim. You may also have to take out extended cover if your trip will involve particular sporting activities.

The most important thing to remember is to ask if you are unsure about the level of cover your policy gives you.

For a checklist to make sure your policy covers everything you will need, follow this link and view the “Q & A” section.

For more information on travel insurance and to understand how to choose the right level of cover, get the best deal and how to make a travel insurance claim, follow this link to Money Helper.

Further information can be found at the following links:

Specific information detailing what to do if there is a problem with your holiday or travel including making a claim can be found at the following links:

Medical Bills

The majority of travel insurance will cover medical bills for £1million and pay for an emergency air ambulance to bring you home for treatment.

Inside of the European Union UK residents are entitled to free or reduced-cost State-provided healthcare provided you have a European Health Insurance Card. As a result of the BREXIT deal the European Health Insurance Card (EHIC) is to be slowly replaced by the UK Global Health Insurance Card (GHIC). You can no longer apply for or renew an EHIC card. If you already have an EHIC card you do not need to apply for a GHIC card until your EHIC card expires. It is important to bear in mind that this is not travel insurance - it will only cover you when you are ill and should not be regarded as a replacement for travel insurance.

More information on healthcare abroad including how to apply for an GHIC is available at 

Airline and Travel Agent Insurance

You will often by offered travel insurance by the airline you use or the travel agent where you booked your holiday – you can opt out of this insurance if you have your own and save money. Additionally you may find that your bank, building society or sometimes even your employer may offer free travel insurance. Make sure you check what this insurance covers before you travel using it.

Other Information

A visual guide to keeping your money safe abroad is available from SainburysBank MoneyMatters.

A more detailed guide is available for download at this link.

For information on precautions and steps to take before travelling – click here.

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