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Peace of mind

We strongly recommend that all travellers purchase comprehensive travel insurance before they travel.  Check with your tour operator if any additional or specific insurance is recommended. 

The cancellation and curtailment section of a travel insurance policy provides cover when you need to cancel your holiday before you depart, or curtail (cut short) your holiday whilst you are overseas. The various reasons will be specified in the policy terms and conditions, and many will cover you if you have to cancel due to illness, the illness of a close relative (as defined by the policy), redundancy or other circumstances. When choosing travel insurance, consider the amount of cover for cancellation and curtailment, and compare it to the cost of your tour and other travel arrangements, which is usually per person. Travel insurance is designed to cover any unrecoverable costs resulting from cancelling or curtailing your holiday. A claim can only be made for the expenses that your holiday supplier won’t refund.
Tranquility, Hanoi, Vietnam

A must have

Travel insurance is an essential ‘must-have’ when you travel – and we see it as a necessity, not a luxury. You need it for protection against the unexpected, to protect your finances and for peace of mind. Many people think purchasing travel insurance isn’t that important and are prepared to take a risk, believing they can save money by avoiding it. In reality, if you can’t afford travel insurance, you really can’t afford to travel.

The amount of cover you opt to buy is a personal choice. But we suggest that a suitable insurance policy should provide adequate cover for medical expenses arising through illness or accident prior to or during the holiday and loss of holiday monies through cancellation or curtailment of the holiday for insurable reasons.

Optional extras

You should ensure there are no exclusion clauses that limit protection for the activities on your tour, including optional excursions. Many insurance companies will allow you to arrange extra cover for activities not covered by a particular policy.

In addition to cover for medical expenses and repatriation, we strongly recommend that policies should include cover for personal accident, cancellation and curtailment, and loss of baggage and valuables. Personal liability covers you for any injury or damage to property. comprehensive insurance, and is recommended.

Top Tips

Wat Phu Khmer, Laos, Asia
  • Shop around for a good price, but make sure that the policy covers you for all the activities you want to do rather than opting for the cheapest policy. What if you arrive in Peru and decide you really do want to try sandboarding after all?  
  • Consider annual or multi-trip insurance if you make several trips a year – it’s an easy way to save time and money. It can also be cheaper to purchase a policy with your partner / spouse.
  • Make sure your policy will refund the full cost of your holiday.
  • Bear in mind that most policies will not cover you for drink or drug-related incidents.
  • Be open and honest with your insurer. Do you have any pre-existing medical conditions? 

Continued...

  • Make sure your policy covers you realistically for loss of your valuable items. Do you really need them on holiday with you if your policy will be too expensive? If you don’t take enough care of your personal items, the insurance policy may not cover them in the event of loss or theft, so be careful! Report any theft to the police, ideally within 24 hours, and make a note of the incident number.
  • Check for clauses that cover extreme events, such as the failure of your airline or operator.
  • Don’t assume that your airline will cover you for loss of baggage – by law, they only have to pay a minimum value, and it may not cover you for the loss of your expensive gadgets, clothes or souvenirs.
  • Even if you think redundancy from your job is unlikely, it is worth checking if you are covered. 
Museum of Ethnology, Hanoi, Vietnam

Last but by no means least

This may seem too simple. But trust us.  Check your dates – make sure your policy will cover you for the entire time you’re away.

Don’t forget to look after yourself!  Click here to follow our simple health advice guide. 

We are passionate adventure travelers who want to share the world and our travel experiences with everyone…

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