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1. Is repatriation included in case of a serious medical necessity? The FCO suggests a policy should provide £1 million for Europe and £2 million for the rest of the world in order to pay medical bills and the cost of getting you home. This may include special arrangements for flights or even an air ambulance, all of which can be very costly. 2. Does your insurer provide 24-hour assistance? For obvious reasons this factor is especially important. Getting attention quickly, whatever the time of day or night, is vital. You don’t want to be kept waiting to see whether or not a certain treatment will be paid for by your insurer. 3. How will you be reimbursed for cancellations, if at all? There are thousands of reasons why you may cancel a trip, but not all of these will be considered legitimate reasons by you insurer. Before doing anything definitely check what the insurer’s stance is on this issue. It is also worth checking what provisions are in place should the tour operator or airline cancel your trip. 4. How soon does cancellation protection kick in? Either the insurer will vouch for your temporary accommodation or replacement flight or you will have to purchase them and be reimbursed later. This can make a big difference if money is tight. The recent Bangkok airport protests are a prime example of this cover coming in handy. 5. Which sports and activities are covered and which are not? As a rule, anything considered adventurous or extreme will not automatically be included and you will need to contact the insurer to arrange for additional cover. Things like tennis or football won’t be a problem, but things like skiing or scuba diving below a certain depth will need additional protection. 6. Will your insurer protect you against personal liability? Accidents can happen anywhere and sometimes they might be your fault. Causing a traffic accident is a common example, and despite the fact that you meant no harm if someone has become injured you may be sued. Personal liability cover can be invaluable and take the stress out of a possible holiday-ruining situation. 7. Does the policy offer reimbursement of legal expenses incurred if a damage claim needs to be made? This is the flipside of the previous question. If someone does you an injury, say by careless driving, you are entitled to claim damages. But lawyers are expensive and if you cannot afford legal representation you may come away from court with nothing. 8. Are the limits for stolen or damaged items sufficient? Depending on where you’re going and for how long, you may have possessions the value of which exceeds the limits of your insurance policy. Ski trips are a notable example of having valuable equipment. You can always up your cover limits if you’re going to need the extra assurance, but make sure you do it before all your stuff gets stolen.
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