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Why everyone needs travel insurance

best travel insurance europeOoh la la, my travel insurer has paid my claim and I'm off to Paris on the proceeds of it. I hope the train isn't delayed like last time. I was about as thrilled as Charles Dance looks in the photo when we were both made en retard by Eurostar shenanigans.

It's not all plain sailing. I did have to give up a girls' weekend to Seville and a summer half-term ticket to Majorca. Readers of previous blogs will know that I had a few health issues in late spring and wasn't able to go abroad. Thank goodness I had travel insurance. All in all I'd spent about £450 on the girls' weekend and the same again on a return flight to Palma plus car hire. Without my annual multi-trip insurance from Cover For You, I would've lost out big time.

I'd like to say the policy was as cheap as chips but that's not true. It actually cost £165.75 which is expensive. That was because it was a premium package which included the whole family and, as well as other holidays, covered our trip to Florida - medical costs in the US and Canada are off the scale. If you're travelling in Europe, though, travel insurance is a lot less. And my example goes to show it's worth having it.

Surprisingly though, 10 million Brits set off to foreign climes without it. It's actually a false economy. Research by Asda (yup, it sells travel insurance too) says the average price of a policy is £50 compared to the average cost of dealing with illness or accidents abroad which is £160.

Normally all you read about is travel insurers NOT paying out. I was expecting mine to make some kind of quibble. There was plenty of paperwork but it was actually a relatively smooth process and I was refunded. A happy customer for a change: well done, Cover For You. I'm not anticipating any mishaps in la belle France but you never know. Fortunately I'm covered for it. Bon voyage!

For the SMM guide to travel insurance, click here.

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Monday, 22 April 2019