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Planning Retirement Online

Travel Insurance in later life


Travel Insurance Top Tips


Getting the best from your Travel Insurance

  • Take your travel policy number and emergency help line number with you (save the UK number in your mobile phone)... you need to know who to phone in case of an emergency
  • Dangerous sports - Have you taken out this option? You may require specific cover for, say, paragliding, jet skiing, diving
  • Don't leave valuables in the open, especially while on the beach. And don’t leave them unattended in a hire car or while you are on any other transport
  • Ensure policy limits are adequate: Check how much cash you are covered for, baggage limits etc. Are they sufficient?
  • Use the pre-travel help line (if applicable) to check on inoculations, civil unrest etc.
  • Leave enough time to travel to the airport, if you are late because you didn't leave enough time to get to there - you won't be able to claim.
  • If you buy goods whilst on holiday, such as sunglasses, keep the receipts as you need to be able to substantiate your claim if they are stolen or lost.
  • If you are a victim of theft: report it as soon as possible to the local police, the hotel and the tour operator. Your insurance company may insist on a written report.
  • Check that your motor breakdown covers Europe and not just the UK
  • If you have an expensive item you want to take away with you, a special piece of jewellery, a digital camera or video recorder, you should ask whether you need to arrange additional cover.
  • Check your excesses - some policies insist on an excess for each item lost - i.e. passport, wallet, or luggage.


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