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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