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Don’t Forget the Travel Insurance
There are a worrying number of people who are not taking out travel insurance when they go abroad, according to the insurance experts. Indeed, in response to the recession, and in a bid to save money, many people are choosing to forgo coverage in the belief that it will cut costs. However, there are warnings that this could backfire, especially if something goes wrong when they’re away.
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A recent study has found that although people are still keen to travel abroad in the current financial climate, 24 percent of those questioned would not take out travel insurance, in order to keep expenses down. Not only that, but research into people’s attitudes towards travel insurance in general has also revealed that almost half of the respondents don’t feel it is an important product to purchase.
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The experts believe this is a mistake, especially in light of the fact that overseas medical expenses are on the rise. And, although UK residents are covered health-wise for travel in Europe with the European Health Insurance Card, the cost of repatriation is not. Therefore, even if you’re travelling to Spain, for example, it is essential to have travel insurance: not having coverage could see you £17,500 worse off, and that’s just for being transported back to the UK.
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There are also factors like lost luggage, cancelled flights and/ or stolen personal possessions to take into consideration. Without insurance, you would be expected to cover the cost of a new flight for instance, or buying another digital camera or sorting out a stolen passport. In a climate of financial uncertainty, this is less than ideal and while travel insurance may seem expensive, it is a lot more cost-efficient than having to shell out for these kinds of issues.
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Many people believe that travel insurance is hugely expensive. However, with the plethora of insurance companies on the market, it doesn’t have to be. The trick is to shop around and compare the different policies available. By conducting a quick internet search, you will quickly find that there is a wealth of information on the subject and an even bigger amount of deals available. One great tip for keeping costs to a minimum is to figure out exactly what you want your insurance to cover you for, i.e. European travel, cancellation of flights, medical costs, etc. and then search for a policy that offers you those factors. In this way, you’ll be able to minimise the possibility for paying for coverage that you don’t need.
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If you know that you’ll be travelling a few times a year, opting for a multi-trip policy can be a good idea. On the other hand, if you’re unsure of whether you’ll be going away more than once, a single policy is probably more cost-effective, especially considering you can find coverage for as little as £5. The key therefore, is to ascertain your needs first and then search for an appropriate travel insurance <a href=”travel”>http://money.marksandspencer.com/insurance/travel-insurance/overview/”>travel insurance</a> deal.
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About the Author
Matthew Pressman writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.
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