You’ve paid off the holiday, booked your airport transfer and you’re ready to have a wonderful holiday at last! We all know that holiday costs can mount up with the extra spending money, airport transfers and other bits and bobs.
It can be tempting to skimp on travel insurance which seems like an additional extra but the rule of thumb is to book your travel insurance when booking your holiday.
Why You Need Travel Insurance
- Medical Emergencies: Accidents and illnesses can happen anytime, anywhere. Travel insurance provides coverage for medical expenses, ensuring you get the necessary treatment without worrying about the cost. This includes hospitalisation, surgery, and emergency medical evacuation, which can be exorbitantly expensive without insurance.
- Trip Cancellations and Interruptions: Life is unpredictable, and sometimes you may need to cancel or cut short your trip due to unforeseen circumstances like illness, family emergencies, or natural disasters. Travel insurance can reimburse you for non-refundable trip costs, helping you avoid financial loss.
- Lost or Stolen Belongings: Luggage and personal belongings can get lost, stolen, or damaged during your travels. Travel insurance can cover the cost of replacing these items, providing peace of mind and financial protection.
- Travel Delays: Delays due to weather, strikes, or mechanical issues can lead to additional expenses such as accommodation, meals, and transportation. Travel insurance can compensate for these unexpected costs, making delays more manageable.
- Personal Liability: If you accidentally cause damage to property or injury to others while traveling, travel insurance can cover legal expenses and compensation claims, protecting you from significant financial liability.
Understanding the GHIC Card
The Global Health Insurance Card (GHIC) is a must-have for UK travellers visiting EU countries. It replaced the European Health Insurance Card (EHIC) post-Brexit and offers similar benefits. Here’s what you need to know about the GHIC:
- Access to Medical Treatment: The GHIC allows you to receive state-provided healthcare in EU countries at the same cost as residents. This can be either free or at a reduced cost, depending on the country's healthcare system.
- Validity: The GHIC is valid in all EU countries. If you already have an EHIC, you can continue to use it until it expires, after which you should apply for a GHIC.
- Application Process: Applying for a GHIC is straightforward and free. You can apply online through the official NHS website. Beware of unofficial sites that may charge a fee.
- Limitations: While the GHIC is beneficial, it’s not a substitute for travel insurance. It does not cover private medical care, mountain rescue in ski resorts, repatriation costs, or non-medical issues like trip cancellations and lost baggage.
Why Both Are Important
Combining travel insurance with a GHIC provides comprehensive coverage for your travels. While the GHIC helps with accessing necessary medical care in EU countries, travel insurance fills the gaps by covering a broader range of potential issues. This dual approach ensures you're well-protected against the financial impact of various travel-related problems, allowing you to focus on enjoying your trip.
Don’t forget once you’ve booked your travel insurance, make sure you also book your London airport transfer in plenty of time ensuring that you start your vacation in comfort, safe in the knowledge that you are covered for your lovely holiday.
