IMPORTANT NEWS CORONAVIRUS (COVID-19) COVER IS NOW AVAILABLE - We can confirm all of our policies now provide cover for Medical and other Expenses outside of the United Kingdom if you contract Coronavirus (COVID-19) whilst abroad. Some of our policies now also offer other additional Coronavirus (COVID-19) benefits. The policies that offer the additional cover are clearly marked where we display our prices along with the full terms and conditions. Further details of the cover can be found here. All our policies will only provide cover, if prior to your trip commencing, the Foreign and Commonwealth Office has NOT advised against all (or all but essential) travel to your chosen destination. If you are travelling against advice outlined by the FCO https://www.gov.uk/foreign-travel-advice you will NOT be able to make a claim. Please ensure that your chosen destination is one that is permitted for non-essential travel. We can assist you via telephone Monday - Friday 9am - 5pm or alternatively email email@example.com. If your query is regarding a claim please click here for further details.
You may be off on a city break with just light hand luggage or you may be lucky enough to be going on a 3 month round the world cruise, whatever type of trip you are going on you need to ensure you have the right amount of Baggage cover.
Travel Insurance policies normally offer a set amount that they will cover you for loss of or stolen baggage and personal effects. The amount of cover varies but on average it is in the region of £1,000 to £3,000 of cover per person. Please remember to check single item limits within your baggage cover as if you have an expensive item of jewellery you may find you are out of pocket so do check the limit before you travel .
There are a number of common exclusions that you should be aware of when purchasing travel insurance with baggage cover. The most common of these are such things as contact lenses, spectacles and dentures along with Mobile phones. You may wish to seek separate cover for items such as these since not all providers offer this facility. Your policy wording should clearly state what is and is not covered. Also check your household insurance cover as sometimes the policy offers cover for your personal belongings outside of the UK.
Most policies offer a small amount of cover under the Personal Money section of the policy this varies from policy to policy but on average covers you between £100 to £500 per person.
Claims under a Travel Insurance policy are normally dealt with on an indemnity basis, meaning deductions will be made for wear and tear. Proof of purchase is normally always required if this is not available, any photographs of you wearing the item or items or bank statements showing the purchase was made will all help to support your claim .
Always remember to carry your high value items within your hand luggage or better still on your person. Never leave your bags unattended at any time.
Lock your suitcase with a small padlock this will reduce the chance of someone trying to open your case in transit or worse still putting something inside your case.
If you are travelling with a partner or companion it is sensible to split your clothes and personal effects between the two cases then if one case does go missing at least you will both have some clothes to wear when you arrive at your destination.
When collecting your luggage at the other end ensure it stands out using a colourful luggage strap or luggage label will help easily identify your case. It is also sensible to clearly label your luggage and at the very least include a contact name and telephone number this will help reunite your suitcase with you if it does get lost or not arrive at your destination.
Of course we at medical travel insurance work with insurers who have policies with great baggage cover and we can get you a quote right now. Click here to go and get a quote.
Our medical travel insurance team are ready to provide you with assistance regarding your quote. If you would prefer to talk to an advisor to receive a quote or have a query please contact our UK based customer service team. Find out details on our contact us page.