5. Areas your policy covers
When taking a policy, check that each destination (or destination if it is an annual policy) is covered under a general policy such as a valid release.
Always check the latest FCO advice when issuing a policy and as, if there are advice against travel to your destination, your insurance may be invalid.
The definition of what is included under European policy may vary from company to company, and even between different policy types and the same company. For example, if you take the policy of a single trip to Europe and Turkey is not automatically included. However, it is automatically included in its annual European policies.
Many international travel insurance policies will not automatically include travel cover in the USA, Canada or the Caribbean due to the high medical costs there so you may have to pay a higher fee to add this to it.
6. Time to cover
If you are planning an extended leave, check how many consecutive days abroad your policy covers you. If you exceed your policy limit, even for one or two days, your insurance will not be valid.
As well as one-way restrictions, some annual policies limit the number of days you can travel in a year so, if you have multiple trips planned, pay attention to this.
7. End provider failure
The tourism industry is under a lot of financial pressure right now so, if you haven’t booked a ATOL-protected package holiday, check out travel insurance policies that include ‘failure to provide storage’.
This provides cover if one of the companies you have booked to stop trading.
Some policies provide ‘scheduled flight failure’ as an alternative to financial security if your airline enters management.
For both types of cover, check any fittings and small print as some planes can be removed.
If you would like this type of cover but it is not included as usual, you can add it to your policy – so ask for your insurance.