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What should my travel insurance policy cover
- medical and health cover for an injury or sudden illness abroad
- 24 hour emergency service and assistance
- personal liability cover in case you’re sued for causing injury or damaging property
- lost and stolen possessions cover
- cancellation and curtailment (cutting short your trip) cover
- extra cover for activities that are commonly excluded from standard policies, such as jet skiing.
The policy should cover the whole time that you’re away.
Your policy may also have:
- personal accident cover
- legal expenses cover
- financial protection if your airline goes bankrupt before or during your trip.
Many insurers will extend cover if you ask them. If not, shop around for a specialist policy.
Common travel insurance policy exclusions
Always check the conditions and exclusions of your policy:
- most policies will not cover drink or drug-related incidents
- you must take reasonable care of your possessions or your policy will not cover you.
Cancelling or cutting a trip short
A good insurance policy will cover you for cancelling or cutting a trip short. Check carefully to see exactly what you’re covered for:
- accident
- illness
- pregnancy (unknown when you buy the policy)
- jury service or witness summons
- home emergency: fire, storm or flood, burglary
- redundancy
- strikes
- bad weather – affects the departure of flights and ships.
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