Travel Insurance Checklist

Travel Insurance Checklist. Travel Insurance Explained.


With the huge increase in the number of us travelling abroad, it's likely we all know someone who has had a bad experience, from astronomical medical bills, to needing legal representation or loosing your luggage; it's horrible to think about it, but sometimes the worst really can happen. Luckily there is Travel Insurance for when it does, this article will explain exactly what Travel Insurance is, the different options available to you and the best way to pick the right policy for your trip.

Many of us spend several months looking forward to and saving for our holidays, but what do you do when things go wrong? Do you need the protection of Travel Insurance but you need to have the right Travel Insurance, destination, planned activity and age will all dictate what policies are suitable for you.

Medical bills & repatriation

One of the biggest expenses you could have to deal with should things go wrong whilst abroad is the cost of medical treatment, whether through an accident or illness, if you end up requiring medical services you will have to pay. Medical coverage is at the core of nearly all policies and most offer insurance up to the value of around 5 million. This will provide more than adequate funds for most circumstances. If you are planning your vacation in Europe you should also make sure you have your European Health Insurance Card, they are free and entitle to whatever health system available at the same cost as nationals.

Repatriation is the term used to describe the process of getting you home should something happen whilst you are away. Experts estimate is could cost anything up from a few thousand to hundreds of thousands to get you home and the more sever the circumstances of your return are the more expensive it could be, so its worth ensuring repatriation is included in your policy.


Worse than something bad happening on your trip, is not being able to go on your trip in the first place. As well as causing bitter disappointment loosing a trip can also result in you being left out of pocket. To make sure this wont happen to you it's important to ensure your policy has cancellation protection, in addition it would also be advisable to check your travel agent is protected by ATOL, or another travel-safety scheme. To ensure you won't be left out of pocket you should also check that the amount of insurance offered is enough to cover the cost of the trip, other useful things to check are; the circumstance under which your policy holders will pay out and any exclusions that may apply.

Adventure Holidays

Statistically you are far most likely to make a medical or luggage claim on a winter sports and adventure holiday so it's even more crucial to make sure you are protected. Most Travel Insurance providers offer specifically designed packages for these types of trips; if you are planning this sort of trip it may prove more cost effective to take out a more specialized policy that can provide you with greater peace of mind.

Compensation for delays and missed departure

Not all Travel Insurance policies will pay out for these circumstances, however having the cover in place just in case can be worthwhile.It's wise to check that you'll be covered if your travel plans are significantly delayed and that you'll be protected financially against missed departure just in case.

Luggage cover

Most Travel Insurancepolicies will offer protection for luggage and will give you the funds to replace lost or stolen bags. It's a good idea to work out the value of your case and its contents before taking out a policy, that way you can choose a policy, which offers sufficient funds to cover your belongings. It's also important to check the single item limit and arrange extra cover for any valuables that exceed this. Although most items in your case will be covered, there are some items such as money or passports that are not, this can be problematic and is also worth checking. It is also advisable to check whether you are eligible for compensation should your bags be delayed or sent to the wrong destination.

Pre-existing conditions

Most travel insurance policies will not pay out for any treatment relating to pre-existing medical conditions. What's more, failing to declare any conditions before you go could invalidate your cover meaning if something did happen you would have to stump up the cash yourself. So if you do have any pre-existing medical condition honesty is always the best policy when dealing with Travel Insurance providers.


With any type of insurance there is usually a excess to pay if you need to submit a claim, they excesses can be voluntary or compulsory so you should always check this with you Travel Insurance provider before your departure. Excesses can vary in cost and it's important that you ensure you have the funds to pay the excess should you need to claim.

Personal Liability

Personal liability is another key aspect of most Travel Insurance policies and will cover the costs of any legal fees you may incur if charges are brought against you whilst travelling. It is a good idea to check how much your provider will pay out for this especially if you are heading to a country such as America, where legal representation can be costly.

Emergency assistance

Having emergency assistance included on your policy means no matter what country or time zone you are in you will be able to contact a representative for help and advice, nearly all Travel Insurance providers include this as standard, however it's always wise to check.

Hidden exclusions

Like most things in life, there are often bits of hidden information in the small print and Travel Insurance providers are just the same. Thereis no secret way to find these out, it just comes down to carefully reading the contract between you and your policy provider, doing this will enable you to work within the constraints of your policies terms and conditions, meaning claiming will be more straightforward.

If you make sure to use these guidelines when selecting your Travel Insurance policy it will help ensure you end up with the policy which best suits your circumstances, giving you greater peace of mind, allowing you to sit back, relax and enjoy your holiday.


Please Note: is not authorised to give advice under provincial and federal regulations.

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