Family Travel Insurance – Get the right cover

Given that we live in Ireland, it is fair to say that the majority of us like to escape the weather and get a bit of guaranteed heat into our bones every year. While admittedly travel insurance is an additional cost, family travel insurance need not be hugely expensive and for the guaranteed peace of mind you have while away from home, it’s probably worth it.

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A quick google search for ‘family travel insurance’ throws up pages and pages of offers and companies, so how do you know what’s right for you and your family? Most travel insurance policies will cover the following as standard: cancellation, emergency medical expenses, hospital benefit, personal accident, baggage, personal money, missed departure, delayed departure, third party supplier insolvency and overseas legal expenses, but as with everything, always read the terms and conditions carefully. The principal benefits you should be comparing are lost baggage, medical expenses, excess levels and holiday cancellation cover.

Consider the following tips… most of them are common sense, but no harm in a quick reminder!

  1. Many insurers will not offer cover once you have left Ireland, so better to take the insurance out well in advance.
  1. How often will you travel in any given year? If it’s one or twice look at single trip insurance / more than that start with multi-trip insurance.
  2. If you have home/ credit card and/or health insurance make sure you don’t double up on cover – for example household possessions maybe covered outside the home, so check with the insurance provider and better still, ask for a discount.
  3. Don’t forget about the EHIC (or E111 as it was called in my day) entitles you to access public health care while in the EU and Switzerland…. But read the fine print as not everything is covered, including repatriation costs etc.
  4. Check the excess. That is the amount that you, the policyholder, has to pay towards any claim. If you set the excess high, the policy will be cheaper, but may not be worth having.
  5. Consider bringing cheap throw-aways’ rather than valuable laptops / IPad / pushchairs / smart phones… after paying the excess you’ve practically paid for the replacement yourself already, if it’s even covered by the policy.
  6. It’s usually more cost effective to buy direct on-line, as opposed to through tour operators / travel agents or airlines etc.
  7. You can always add additional benefits to a standard policy to include things like winter sports etc.
  8. And to state the obvious – KEEP EVERYTHING, receipts / police reports / airline PIR reports.
  9. Compare Travel Insurance Ireland.com is a great website which reviews and compares different companies and current policies available.

It does generally take a bit of research, but it will be worth your while and give you peace of mind while enjoying your holiday abroad. And as usual, feel fre to get in touch with us if you need any advice.

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