The motto of the insurance industry should be ‘expect the unexpected’, and whether a traveller is setting off on the trip of a lifetime or just simply popping across the channel for a quick shopping spree, surprises often happen and not all of these are pleasant.
When buying travel insurance, the consumer watchdog, ‘Which’, suggests that cover should include medical expenses for both the injured and also any accompanying family or friends, cover for the cost of an air ambulance; baggage and belongings cover; cancellation fees, should illness mean that flights and reservations have to be adjusted; legal expenses protection; and personal liability, in case damage is caused to a third party in terms of an accident.
Telephone numbers for the British Consulate and also the Financial Ombudsman Service (FOS) are also a good idea. The Consulate can be remarkably helpful when it comes to dealing with overseas bureaucracy and their officials are fluent linguists.
No one sets off on holiday planning to have an accident, but if a traveller is fully protected then that threat need not turn into a disaster.