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5 reasons to get travel insurance

travel

Whether you bagged a last minute deal or have been dreaming of sand and sea since Christmas, there’s no doubt that you’re excited to take to the skies. In between making sure you’ve packed the essentials (passport, flight tickets, iPod - check), it’s easy to forget things like taking out proper insurance or to just neglect it altogether. So what’s it good for anyway? We’ve listed 5 reasons why it’s best to get covered.

  •  Murphy’s Law
    By now you’re probably a seasoned enough traveller to know that whatever can go wrong, will. So many people leave it to the last minute when, amongst the flurry of sun cream and togs, not only it is it more difficult to shop around for the best deal, but you could be forfeiting a host of benefits. Countless events such as bereavement, illnesses or an accident can potentially derail your whole holiday well in advance of travel, which is why it’s best to take out cover immediately after booking your trip. Protect against the unknown and get yourself and your family covered for up to €6,000 for an abandoned holiday.

 

  • Flight Cancellations and Delays
    If an airline fails to notify its passengers of a delay it could mean the difference of being covered for up to €600, depending on your flight duration. The amount of compensation you’re entitled to will depend on whether your flight is short, medium or long haul as classified below:

    Short haul: 1500km or less the amount payable is €250 pp
    Medium haul: 1500km – 3500km and all EU flights over 3500km the amount payable is €400 pp
    Long haul: 3500km or more the amount payable is €600 pp

 

  • Medical Emergencies
    Are you planning any strenuous activities such as hiking or surfing? If you’re venturing Stateside know that you’re risking hundreds of thousands of dollars in the event of an accident or medical emergency without travel insurance.  Even in Europe, where it’s wise to carry your EHIC card, you won’t be covered for things like needing an air ambulance if someone is in serious trouble, potentially costing you up to €20,000. AA Travel Insurance can cover you for up to €10,000,000 inclusive of any emergency assistance services you receive.

 

  • Theft
    Knowledge truly is power when venturing abroad, particularly when it comes to knowing where the best places to visit are. It also pays to know your way around and with a bit of research ahead of time you can ensure you and your family don’t end up in the wrong place at the wrong time. Familiarize yourself with your destination online before you go if you can help it, and exercise caution when lugging around shopping bags and storing your valuables. If you are the unlucky recipient of a theft or mugging whilst abroad, AA Travel Insurance can cover you for up to €500.

 

  • Cost
    Back in 2012, over 1 in 5 people told us that they were prepared to eschew taking out travel insurance altogether if it meant that they could enjoy a cheaper holiday. Bear in mind that 2012 was one of the worst years for the Irish economy, with the amount of overseas Irish trips taken down nearly 20% in comparison to 2008. However, travel insurance is nearly never as expensive as you envisage it to be; remember you’re being covered for all of the above and more. To cover a family of 4 for any number of trips within Europe for 12 months costs as little as €47.19 for an AA Essentials Policy.

Image1: Flickr