Posted on: Sep 9, 2019 | 3 mins | Written by: HDFC ERGO Team

Tips to Follow When Buying Travel Insurance for UK

The UK is on the bucket list of many travelers, and with good reason. The UK comprises of Great Britain, Scotland, Wales and the northern part of Island of Ireland. Each of these has its own rich history, some beautiful architecture and breathtaking landscapes. There is something for everyone when you visit this part of the world. Castles, breweries, city life, countryside, adventure, relaxation, sports, shopping, world cuisine and so on and so forth. You name it and you will find it in the UK.

Planning a trip to the UK is exciting and sure to be full of fun and enjoyment. But as is the case with any trip, you can never know what problems you might face and thus, having travel insurance is necessary when travelling to the UK. Travel insurance will ensure you enjoy your trip in a stress-free manner. It will also take care of any medical expenses which are very high in the UK and can result in you in spending a lot of money.

Advantages of Buying Travel Insurance for UK

  • Coverage for cashless hospitalization

  • Coverage for checked in baggage in case of a total loss

  • Payment for an emergency hotel extension

  • Personal accident cover

Tips to Follow When Buying Travel Insurance for UK

Medical Expenses

Medical expenses in the UK are known to be on the higher side. Thus, in the case of hospitalization in times of an emergency, the medical bills can be quite staggering. Hence, you should have access to a high sum insured when travelling to the UK.

Duration of Stay

Another important aspect which must be taken into account when buying travel insurance for the UK is the number of days one is willing to stay there for. If you are going for a holiday for a few weeks, a single trip plan will suffice. On the other hand, if you foresee travelling to the UK for a few times, then a multi-trip plan is important. It must be noted that the latter might be a better choice as it saves paying the administrative costs repeatedly and also saves the hassle to get a new policy for each time one travels.

Agenda of The Trip

A person who is just willing to roam around and relax in the UK, do not need a high cover. But for someone who wants to go trekking or indulge in some adventure activities which have a higher risk, they must take a cover accordingly. For most of these activities, a special coverage is needed as a standard travel insurance plan will not cover these.

Senior Citizens

If the policy is for senior citizens then a cover for pre-existing ailments should be taken and it is also recommended to go for a higher sum insured, as there are higher chances of needing medical assistance as one ages.

When you travel to the UK or for that matter any new country, you must focus on discovering new places and creating memories with your loved ones. You shouldn’t have to worry about emergencies like a sudden illness, lost passport or delayed baggage. So, with a travel insurance plan, you can take care of all of this and more, and explore with complete peace of mind.  

The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.Tips to Follow When Buying TRAVEL INSURANCE for UK
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