Travel Insurance? How Necessary Is It, And What Level Of Cover Do I Need?

Oct - 21 | By: AHT | one comment.

Filed under : Health Insurance

I am going to Bulgaria for a fortnight on Wednesday, and wasn’t going to bother with travel insurance, but I am re-considering to give me piece of mind in case I lose my luggage (has happened previously, although I got my case back, so never needed to claim).
Anyhow, I am staying with family, so I have only paid around £160, to book my flights.
I have one of those cards that covers you for medical treatment within Europe.
I have did a search on moneysupermarket.com and they have policies from as little as £5.51. I realise that the cheaper policies might not provide a massive level of cover, but I only really want a basic policy to cover my essentials.
Does anyone have any guidelines to what I need cover for? values etc?
I am not taking a lot of cash with me, and my luggage won’t be worth a great amount of money – I’m taking around 6 outfits, and I tend to buy most of my clothes from Primark, so the most expensive thing in my luggage would probably be my GHD’s.

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One Response to “Travel Insurance? How Necessary Is It, And What Level Of Cover Do I Need?”

annie says:

October 21, 2009 at 2:11 am

The main things you need to cover for are medical, cancellation/missed departure, airline failure and luggage/possessions.
The EHIC card that you have will only cover for limited things- if you were unlucky enough to do something serious, it wouldn’t cover you or get you flown home to the UK.
The cheap policies are fine- just check the small print. If you get £1 million of health cover (not as crazy as it sounds!) and £1000 for each of the others, that should do it.
So many people don’t bother with insurance and bitterly regret it. For the sake of less than a tenner, don’t be one of them…