Know Your Travel Insurance

Not reading your travel insurance policy wording can be very costly! 

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Do you read your contract before you buy a car or take a new job? Of course you do! How about when you buy travel insurance? That’s a contract too you know, and there could be a lot of money at stake if you have to make a claim.

An alarming statistic revealed in recent research that we conducted with YouGov is that only 24% of adults who have taken out travel insurance always read their policy wording in full! Another 58% said they read “some parts” but we’ll leave it to you to guess how many seconds of reading that involves…

 

What’s the difference?

Travel insurance – and any insurance policy wording really – must be read carefully. They’re likely to differ widely, even if you repeat a purchase from the same provider.

Even one small change in terms and conditions can have a large impact on the cover provided. Ignoring those terms and conditions can also make your claim invalid – which means you won’t get paid.

Imagine you take out travel insurance for a trip to Morocco, but you don’t notice the condition that says trekking above 3000 m is not covered… You go on a 2-day trek in the High Atlas and break a leg.

You wouldn’t be covered and would have to pay all medical expenses yourself – as well as costs to change your flight and accommodation bookings if you need to return home early. Helicopters off mountains are expensive! Mules are cheaper but much slower and very uncomfortable if you have a broken leg. Healthcare in Morocco simply isn’t the same as the NHS.

 

Expensive Exclusions

One of the most common unnoticed exclusions is terrorism. Our survey with YouGov found that a large percentage of Brits believe they would be covered for acts of terrorism under a typical travel insurance policy, when in fact, most policies exclude terrorism entirely or provide only limited cover.

  • 1 in every 4 respondents thought cancellation due to an act of terrorism was covered by their usual travel insurance. It isn't.

Safe Journey is the only UK policy that covers cancellation if there’s an act of terrorism!

  • 32% believed that curtailing a trip would be covered if there was terrorism nearby.
  • 37% thought terrorism-related delays would be covered, but this is another common misconception.

Without specialist travel insurance, the cost of cancelling or cutting a trip short can run to hundreds, or even thousands of pounds.

  • Unused accommodation
  • New flight bookings (and often no refund on the old ones)
  • Pre-paid activities and tickets that can’t be used
  • Medical bills if you’re injured

Being delayed due to terrorism can also become costly, especially if there are airport delays or you have to book alternate or extra accommodation. You would also need to buy food while you wait, and pay for transport, possibly extra clothing and other supplies… it all adds up.

 

You owe it to yourself to read every word of your travel insurance policy so you know exactly what you’re buying.

Reading your Safe Journey policy wording costs absolutely nothing, except for 30 minutes of your time. 

It could save you having to pay...

CoverSum Insured Per PersonExcess
Emergency medical expenses£1,000,000-
Evacuation & emergency temporary accommodation£1,000-
Medical repatriation£50,000-
Funeral expenses£3,500-

Personal accident

- Death

- Permanent total disablement

 

£25,000

£100.000

-

Cancellation and Curtailment£2,000£100

Travel delay 

£20 for every 8 hour period, up to a maximum of £200 per person. 

£200

Personal Effects

- Valuables - up to £250 per item

- Cash, if under 18 years limited to £50

- Passport

- Luggage delay

£1,500

£500

 

£200

£450

£200

£75

£75

£75 (nil if under 18 years)

£75

Withdrawal of Services£200

 

Read it. Please. And get in touch if you have any questions!

 

The information above is a summary of the Safe Journey policy only. For full details of cover, exclusions, terms and conditions, please see our Policy Wording.

Research referenced was conducted by International Travel and Healthcare with YouGov Plc. The survey was carried out online between 19-20 July 2016. Total sample size was 2026 adults. The figures have been weighted and are representative of all GB adults (aged 18+).

 

Single Trip Cover

From £5.17* per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Single Trip insurance provides cover for up to 180 days of continuous travel.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid your flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
Buy now

*For up to 8 days travel, Worldwide. £53.73 for 180 days continuous travel, Worldwide.

Annual Multi-Trip Cover

From £15.66 per person

  • Travel insurance that covers disinclination to travel if your destination is affected by terrorism before you travel.
  • Safe Journey provides comprehensive travel insurance just for acts of terrorism.
  • Annual Multi-Trip insurance for travel durations of up to 31 days, for each trip you take during a year.
  • Available for singles, couples and families and with no maximum age limit and no medical screening requirements.
  • For Business and Leisure travellers.
  • For UK, Channel Island and Isle of Man residents when travelling in the UK and abroad, when you have booked and pre-paid flights or accommodation.
  • Safe Journey covers up to £2000 per person for travel arrangements, if where you are staying is affected by terrorism and you want to return home.
  • Travel delays caused by acts of terrorism are covered.
  • Personal possessions including money and passports are protected whilst you travel against damage or loss as a result of acts of terrorism.
  • 24 hour (UK based) emergency assistance to help you after an act of terrorism.
  • Maximum excess per claim £100
Buy now

†31 Days any-one-trip, Worldwide.

Protection For a Changing world

£1 million Medical Expenses cover

Medical Repatriation cover

Evacuation and Emergency Temporary Accommodation cover

£100,000 Permanent Total Disablement cover