Travel insurance for students
You've submitted your final assignment for the year, semester is about to end and your thoughts start wandering to your summer holiday. There are decisions to be made, where to go, how to get there, whether you can get away with not buying travel insurance. Take it from us, you're going to wish you'd signed on the dotted line if your iPhone slips out of your hand into the clear blue waters of the Med, or you end up in hospital with food poisoning after dining on a dodgy prawn.
If like most students, you've got to keep a close eye on your finances, it's essential you get the best value for your money when it comes to choosing travel insurance. Here are a few things to consider before you buy your policy:
The length of your trip
If a jaunt to Ayia Napa to shake off those post-exam blues is going to be your holiday this year, then a single trip travel insurance policy may be right one for you. If you have a few trips planned, or are planning to go away for more than 31 days, then you could save yourself some money by getting an annual policy. Or if you've really got the travel bug and have decided to take a year out globetrotting, backpacker insurance is probably going to be your best option.
There's no point in paying for worldwide travel insurance if you're planning on popping over to France to pick grapes, and lie on the golden sands of St Tropez watching the rich and famous stroll by. Save money by choosing a policy which just gives you cover in Europe.
And don't forget to take your EHIC card with you if you are vacationing in Europe. It may not be a substitute for a good insurance policy, but it may give you access to the state medical care in the country you are visiting.
What you're planning on doing when you get there
It's best to check the policy to see exactly what is covered before you roll yourself down a hill in a giant ball, or take to the skies behind a speedboat with only a parachute for company.
Cover for the over 80s
It's strange to think in these days of extended longevity, with more and more people spending some of their retirement globetrotting, that standard travel insurance policies still have an upper age limit.
Some insurers don't offer cover to people over 80 as in general they are more likely make a medical based claim, both before and during their holiday. However, Compare Cover allows you to compare quotes from a number of insurance providers who provide cover for the over 80s.
It's important that you disclose all pre-existing medical conditions you may have, or your insurance policy may not pay out if you have to make a claim.