The primary benefit of travel insurance is the knowledge that should something go wrong while you are abroad, you won’t be responsible for finding the money to put it right, at a time when you are already stressed out.
As with all insurance policies it is important that you read the policy documents carefully to ensure that the cover you require is included, this is especially the case if you are of the sporting or adventurous persuasion as many activities increase the risk of injury and, therefore, may not be covered as standard or may only be covered for a limited frequency during the period of insurance. Policies vary quite a bit so it pays to shop around if you have the time, or speak to a specialist broker, to try and find a policy that covers your intended activity at no extra cost.
Travel insurance policies come in various forms but most policies for UK residents include the following categories of cover, although you should always read the policy wording to find out what is and is not covered by the particular policy, also different policies may have the benefits in separate categories or bundle them under one heading:
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Greath Owen is a writer for PHA Travel. PHA Travel provides our best selling, value for money and cheap travel insurance policies, available for online purchase from a range of reputable travel insurance companies
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