You may believe that you are helping your budget by eschewing family holiday insurance for your overseas trip, but, in reality, this kind of cover will help protect you and yours from a wide set of circumstances and should not be ignored lightly.
Travelling to an unknown area, perhaps with a dissimilar culture, can be very stressful in the event of an emergency. Where you become stranded abroad, your policy will almost certainly provide you with free telephone assistance wherever you are in the world. In many cases, this will be available 24/7 so that if an emergency occurs, you have people you can turn to help you through a difficult time – especially when you don’t speak the language.
Increased Chance of Difficulties
There is an increased chance that you will be faced with difficulties when you travel abroad, simply because you are more relaxed and therefore not alert for trouble that may be hiding just around the corner. Whether that dilemma is the loss of your money and credit cards, or your involvement in a vehicle accident because you are used to driving on the other side of the road, it is good to know that your family holiday insurance policy will pay to replace whatever you have lost or cover your medical and hospital expenses. You may believe that you have taken all of the necessary precautions to avoid incidents when you travel abroad, but if you don’t fully understand the location where you’ll be spending your holiday period, statistically, you’re far more likely to suffer.
Read Your Documentation
By understanding the level of cover that you have purchased with your family holiday insurance policy, you will know in advance if you are likely to be covered in the event of a wide range of potential disasters. Is a cruise covered? Are your golf clubs or other sporting equipment covered? What if you’re pregnant? You must also be fully aware of how to contact your company if the worst should happen. Hopefully the worst will not be too bad, but even the inconvenience of losing your luggage or phone while in a foreign country can cause huge amounts of trouble. Knowing you have a backup plan (both financially and practically) will give you excellent peace of mind. It is a good idea that every member of the family (of an appropriate age of course) knows where the details of your family holiday insurance policy are, so they can turn for help should you need it.