Getting the right travel insurance policy is the first step to ensuring a stress-free and enjoyable holiday. However, the next hurdle to overcome for travellers, is finding out exactly what you should do with your travel insurance documentation once you have it.
Here, we outline - most importantly - what you should be covered for in your policy, making sure you have everything you need regarding your policy with you and what to do if you lose it on your trip.
What’s included in a travel insurance policy?
Any comprehensive travel insurance policy will give you peace of mind by providing you with cover for cancellations, delays, lost or delayed baggage, medical expenses or evacuation.
So, this means that if the worst happened to you either before or while you’re on holiday, you will be able to confidently make a claim. There is nothing more distressing than having your holiday disturbed by an emergency, such an accident or an unfortunate incident, like a flight delay.
For example, you could need to cancel your trip altogether or interrupt it; or you might unfortunately become unwell while abroad and require medical treatment.
Other scenarios you hope never to happen but that can crop up are lost or delayed luggage, delays to your travel plans, your travel supplier going out of business, or any other situation occurs while you’re away; your policy might be able to cover these circumstances. Just make certain to check the small print to ensure your policy definitely includes the cover you need it to.
Many travel insurance policies also provide you with 24-hour emergency assistance. This includes multi-lingual customer service to discuss your claim, make travel arrangements, advise on charges for medical care or liaise with hospitals.
How you access your travel insurance documents
Once you’ve applied for a quote with Medical Travel Compared, selected an insurance provider, and then completed the application right through to purchasing – we’ll email your policy to you straightaway. Then, if you want to, you can then print it from here.
However, you’ll then also have a copy of it online easily accessible from your email address. You can always download it to your mobile phone from here just in case you don’t have access to the internet to login to your email in an emergency.
Do I need to print travel insurance documents?
No, although It is helpful to have your policy to hand so that you can access it quickly should an incident occur while on holiday. It’s may be a good idea to have a printed copy with you as well as familiarising yourself with how to find it online, should you need it.
As mentioned, there could be situations where you don’t have access to the internet, so it’s worth bearing this in mind when preparing for your holiday. Getting organised in advance with all of your policy documentation will help you have everything ready.
You don’t necessarily need to print the policy off, as can just jot down the relevant information and download the information to your mobile phone or tablet as well. That way you are doubly covered in case you either lose your paper version or your mobile phone or tablet.
What travel insurance documentation do I need to take on holiday?
As outlined above, it’s not essential to take a printed version of your travel insurance documents with you. However, whether you make a note of the policy information or take a printed copy, the most important thing is you ensure you have the relevant details.
This will be the policy number, the 24 hours’ assistance telephone number in the event you need to give us a call, a definitive list of all the cover benefits, timescales and general contact number of your insurance provider.
If you’re keeping a copy on your mobile phone or tablet, just make sure it’s password protected so that it can’t be accessed by a stranger if it’s lost or stolen.
Annual policy information
Having an annual multi-trip insurance policy can help you save money. It covers you for a whole 12-month period across several trips, which means you don’t have to get a different one for each trip.
Just be aware that it is advisable to purchase your travel insurance policy on the same day that you book your holiday. This means that you, if your policy cover cancellation, your cover will begin the day that you purchase it.
What to do if you lose your travel insurance documents
If you think you may have lost or misplaced your travel insurance documents, you should contact your insurance provider as soon as you realise. They can then help you by replacing your documentation for you as soon as possible.
Often, you may even be able to request replacements online, simply by putting in your policy number and email address and having them sent to you. If you forget any of your details, you can then just call their customer service team.
They might email it over to you so you have it straightaway, if required, or they can post it out to you. You can discuss your preference with them at the time of reporting it to them.