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isn't complicated, however, it can be tedious shopping for the
correct cover. Since travel – especially leisure travel – is an
occasional activity, finding a single trip policy to provide cover
is a fairly routine process. Complications arise with
multiple-trips, multiple-travellers, gap cover for sabbaticals,
specialised seasonal cover and other considerations.
The absolute easiest way to acquire a prodigious amount of cover
which is virtually all-inclusive and 24/7/365 for a known fixed
price is to simply use or upgrade an existing asset: the American
Express to the Platinum level. Notwithstanding the other benefits,
AMEX is itself a major (one of the top 10) insurance providers. If
the traveller takes trips as a significant part of their employment,
or is a business owner, there is virtually no excuse not to have the
AMEX Platinum card. They have offices world-wide and all that is
required to initiate a claim is a phone call. As AMEX puts it: We
find the most effective treatment for an illness or accident abroad
is to throw money at it.” The annual cost of an AMEX Platinum is
If that level of coverage is not required, then there are at least
two dozen reputable UK-qualified insurance providers with a variety
of plans, from students taking a single trip to seniors taking 120
day world cruises. Prices start from less than £11 provided that
there are no medical issues.
Pay particular attention to the type and reason for your travel.
There are specialised policies for golf, for example, that include
cover for lost or stolen golf clubs; winter sports cover which can
replace ski equipment; and, tropics cover for SCUBA gear loss and so
The areas of travel cause some slight modifications to rates.
UK-area-only is the least expensive. UK-EU and Worldwide covers are
common but travel to the USA where healthcare is expensive can cost
a lot more.
When it is time to actually acquire the cover, be watchful and
search for discounts and promotional codes. These generally can
reduce the price 10%, which can put a good nick in the VAT.
Using the internet is the best option for locating and securing a
travel insurance policy. A little due diligence and spending an hour
or two behind the keys can result in significant savings. Many
consolidation sites exist which can set up policy comparison in
benefits and price in table form, making shopping for travel
insurance an almost pleasant pastime.
If the traveller is anticipating taking more than three
unaccompanied trips or two accompanied vacations, consider securing
a year-long policy.
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