No traveler can leave their home country without travel health insurance; being injured abroad is an event that no traveler wants to face.
Facing a serious injury abroad without the support net of travel insurance makes an already bad situation worse.
Holiday Extras is a UK-based company that has been serving the travel community for over 25 years.
They arrange travel insurance, airport parking, and other related services for over 5 million travelers annually.
They offer complete coverage for single trips as well as annual policies for frequent travelers.
For example, a one week holiday in the Caribbean, including full health insurance, cancellation insurance, and protection against lost or stolen luggage, is only £33.
On average, Holiday Extras offers more comprehensive coverage than their leading competitors.
For instance, in the above example, Holiday Extras is both cheaper and offers more coverage than World Nomads.
In addition, Holiday Extras offers £5,000,000 in emergency medical insurance while World Nomads only offers £3,000,000.
Holidays Extras exceeded my expectations when it came to understanding their policies; not only do they provide a standard legal document detailing your policy, but they also provide a document describing the key points of your policy so you don't have to sift through complicated legalese.
Policies are available for all ages under 86, though children and senior citizens may be subject to reduced coverage.
Holiday Extras does not cover any claim relating excessive alcohol intake, and as a result, they may not be the best choice for wild backpackers, however, they are an excellent choice for families traveling abroad as those under 18 are covered free of charge.
One part of Holiday Extras' policies that I do find troubling is the exemption from cancellation insurance.
If a relative who is not on the trip becomes ill, you are not covered if they required treatment or prescribed medicine in the 90 days prior to departure.
Many, if not most of us, have relatives who would fall into this category.
Depending on your situation, this may be a point of concern.
Coverage is only available to those whose main residence is within the UK, but for those eligible, Holiday Extras is an excellent option for not just holiday insurance, but cancellation and theft insurance as well.
In particular, families should seriously consider their policies as the potential cost savings are considerable.
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gravitygardener says
February 28, 2010 at 6:56 pmSometimes the unforeseen situation comes up that may turn your vacation plans to into a living nightmare. From canceled flights to sickness to a large blizzard that blankets your destination, it is very easy to have something come up that may cause your travel plans to become more challenging.
Some people look at vacation travel insurance as a way to mitigate the risks of unpredictable situations that can disrupt their travel schedule. This type of insurance is available to anyone who wants peace of mind that they will be compensated if anything does crop up that may cause their plans to be derailed.
Here are several areas that may warrant the purchase of vacation travel insurance:
1. Trip Cancellation or Interruption
2. Flight Connection was missed due to airline schedule
3. Travel Delays due to weather
4. Medical Emergency and hospital care (Accident or Sickness)
5. Baggage Delay or Loss
Gravity Gardener
http://gravitygarden.com/why-we-need-insurance/…
hostelvideoguide.com says
April 15, 2010 at 9:38 pmBecause not a resident of the UK and because it looks cheaper I am using worldnomads.com, recommended by Lonely Planet. Thank god I didn't need to cash the insurance yet.
CletusShirley says
August 21, 2010 at 8:50 amInsurance should be the first thing we take care of before planning our holiday outside the country. I'm happy someone here mentioned Lonely Planet as their site is indeed a place where one can get all the info they need from people who visited the places and had the experiences. When I travel I prefer to let the agency deal with all these things, including insurance, and I just want to lay back and enjoy the ride. This year I found Cunard Cruise to offer complete services for a smaller price than last year. I don't think the insurance cost went down but I do think that this economical crisis we all feel and loath has finally did something beneficial for me. Cheaper vacations. Who ever thought that was possible?
Krystian Siek says
October 3, 2010 at 8:55 pmholiday extras was shit when we had islandic vulcano, i stuck in thailand for 10 days extra, they were useless, not pay for extra hotel, extra food, flight or anything.
avoid it!!!
Dave says
October 4, 2010 at 4:49 pmHey Krystian, thanks for sharing your experience.
Jhanella says
November 10, 2010 at 7:18 amGreat. I agree that travel insurance is very important for every travelers. Travel insurance is something that should be appreciated by most travelers considering the benefits derived from it. But too bad most travelers think about it as burden. Through information such as this article, little by little people will learn to embrace the importance of it.