Travel Insurance Quotes.

Travel insurance gives you peace of mind that, should something go wrong while travelling, you have financial protection. Travel insurance covers travel disruption, illness or accident, lost or stolen possessions, lost baggage, or having to cancel or cut short your holiday.

It is invaluable to have support should something go wrong when you are on holiday. Having information and local knowledge can make a huge difference if something goes wrong.

Emergency medical treatment, as well as medical evacuation, and repatriation home are included in all travel insurance policies. The amounts covered may seem very high, but it is really important to have adequate cover should the worst happen.

If you have private health insurance, you may have some protection for international medical treatment in an emergency and , if you have this kind of cover, you will get a reduction on the your travel insurance premium.

Travel disruption can mean different things, depending on the policy, but generally you will be financially protected or receive some compensation if flights are cancelled or delayed past a certain point.

This kind of protection is becoming more necessary as airport disruption and travel delays are more widespread post Covid. Airport delays, as well as strikes and protests among airport staff, may cause travel delays and it is important to check what is covered when purchasing your travel insurance.

Cancellation or curtailment of your holiday offers financial protection if you have to cancel your holiday due to death or serious illness of a close family member.Curtailment cover usually involves illness of a member of the party travelling.

Like travel disruption cover, it is important to check what is covered in your policy. Natural disasters, such as wildfires,  would not automatically be covered under this aspect of your travel insurance. You may need to purchase additional cover for natural disasters, if available from your insurer.

Baggage that is delayed or lost in transit should generally be protected by travel insurance, however there will probably be overall and single item limits on this cover. 

There may also be a time factor, where your baggage has to be lost or delayed past a certain time frame to be covered.

Losing your passport, possessions, or money or having belongings stolen on holiday will, subject to limits, be covered by travel insurance. It is a good idea not to bring valuables on holiday as their value may be above the limits in your policy.

Personal liability cover will offer you protection if you are responsible for an accident, or if you damage another person’s property while on holiday. The maximum amount of cover varies between policies.

Most, but not all, travel insurance policies offer cover if you have an accident whilst on your holiday. If your accident while on holiday causes you injury or disablement, you will have financial protection.

It is important to note that this type of cover will generally not include active, sports holidays, or winter sports and you will have to arrange specific, additional cover for this type of travel.

Unless you purchase more specific cover, Covid 19 cover is, generally, limited to being unable to travel due to a diagnosis of Covid 19. You should also check the DFA website before travel for any COVID related advisories.

Travel disruption cover is enhanced protection if your holiday is disrupted by airport delays or strikes or you are forced to abandon your holiday due to extreme weather, natural disaster, or disease outbreak. 

Although travel disruption is included in all travel insurance the specific details can vary between insurers and policies and enhanced travel disruption cover offers higher levels of protection.

Like the additional travel disruption cover, these types of additional cover offer enhanced protection in case of adverse weather or natural disaster or civic unrest or strikes. Again, it is really important to carefully examine what protection you are offered.

For those who wish to participate in skiing or other winter sports or extreme sports, additional winter sports cover or sports cover offers protection and enhanced personal accident protection.

This cover may be available as standard on some policies but is usually an additional option.

Cruise cover offers protection for cruise travel. For example, if you are relying on air travel or public transport to travel to your designated cruise departure point and experience a delay, cruise travel insurance will offer financial protection.

Wedding  travel offers protection to those who travel for their wedding and provides additional cover for personal possessions associated with weddings. Check with the DFA before travel as countries listed as advisory status will usually not be covered by insurance policies.

Golf travel insurance offers additional protection for golf equipment and also specific protection. if you are too unwell to play on your golf holiday. Check with your travel carrier in advance of travel about their rules regarding sports equipment.

Business travel insurance offers enhanced protection if you are travelling for business purposes. It may offer higher levels of cover for electronics. Some business insurance will offer financial protection if you are ill and have to curtail your business trip.