Cost Vs Cover

Medical is your first stop. When going away if you don’t take out a medical travel insurance policy, your friends and family will suffer if you can’t foot the bill, and keep in mind that if you are intoxicated regardless of the substance it may render your compensation claim null and void.

Gadget cover. After medical your next concern is going to be your laptop, camera, phone and any other gadgets that will be sorely missed. Today the cloud may help insure that important documents and photographs are kept safe, but it is not insurance against loss and damage.

With this amount of coverage, you should be able to relax a little and enjoy your holiday, however there is one more thing to consider and that is the excess.

Ideally you should be aiming for a no excess policy. If you can find a policy that will cover things like vehicle hire excess as well as any other excess costs it might save you alot of money down the track.