What is online travel insurance?
Online travel insurance provides customers with insurance when they go on holiday or on trips abroad that they can purchase online. Travel insurance is one of the most important forms of insurance you can buy, simply because of the sheer costs you can face if you travel aboard without it.
Online travel insurance provides customers with protection in many different ways, looking after any medical bills, cancelled or delayed flights, lost or stolen luggage or belongings and accommodation that is closed or double booked.
Delayed and Cancelled flights
Whilst many people just accept that delayed flights can be part of going on holiday, others will lose vital time on their break, and may miss connecting flights, which further delay the process of getting somewhere. Whilst losing four hours of a two week break to the South of France may not seem like a huge loss, losing a day and a half of a week long holiday in Australia because you missed your connection flight in Kuala Lumpa is a whole different story, and you online travel insurance policy will provide you with compensation for the holiday you have missed out on.
Medical bills cover
When you go on holiday, you leave behind a world class and free medical service in the NHS. We may be used to receiving free healthcare, but in many countries around the world such a service does not exist, especially not for foreigners. Instead you will have to pay for any health treatment you receive, and this can cost a small fortune. An operation and treatment on a broken leg can cost as much as £10,000, after x-rays, doctors and surgeons have been paid for, and a week spent in intensive care with a dedicated nurse and all the treatment can cost over £100,000. With online travel insurance your costs will be covered, but without you, you could be liable for the whole bill, and may not be allowed to leave the country until it’s settled.
Accommodation
Nearly everyone has at some point been on holiday where the accommodation has either been closed, double booked or is at a level you wouldn’t expect anyone to live in. In these situations your online travel insurance policy will help, and will pay for alternate accommodation for the duration of your stay.