| As an UK based independent travel consultant, | | | | your own cover. However if you are booking an |
| specializing in travel in Europe, I always | | | | independent holiday you should remember to |
| recommend that my clients take out travel | | | | ensure that you have travel insurance. |
| insurance when making a travel booking. I | | | | |
| think that it is money well spent for peace | | | | Don't just look at the price of the insurance |
| of mind. You just never know what might | | | | premium, also examine the levels of cover for |
| happen when you are traveling and you don't | | | | various incidents, what is the excess |
| want to end up seriously out of pocket if | | | | deducted from claims. Will the sports or |
| your luggage is lost or you have an accident. | | | | activities you do on holiday be covered or be |
| I know that EU residents are eligible for | | | | considered hazardous and excluded from the |
| health care in member states but this does | | | | cover? If you take at least 2 one week |
| not cover you for every situation eg an air | | | | holidays in Europe per year, it is usually |
| ambulance home, Evidently 15% of UK | | | | worth taking out annual insurance cover. |
| residents don't bother taking out travel | | | | |
| insurance. | | | | It it also a good idea to leave a photocopy |
| | | | of your policy with a relative or friend in |
| With most package holidays you can not book a | | | | the UK. Remember to carry the 24 hour |
| holiday if you do not have travel insurance. | | | | emergency contact phone number for the |
| so this will serve as a reminder. The | | | | insurance company with you at all times. |
| insurance offered by travel agents is nearly | | | | Hopefully you will never need to call that |
| always much more expensive than cover that | | | | number. |
| you buy independently, so shop around for | | | | |