Are you travelling? Do you have journey insurance

“The world is a book and those who do not travel read only one page.” – Saint Augustine

Finally, following two long years of lockdown, the ‘world is your oyster’ again. You can fly, sail and drive to holiday destinations that have been out of bounds for at least two years. But before you book your holiday, check, do you have the right journey insurance?

One of the primary benefits of journey insurance is coverage for medical emergencies. Medical expenses can quickly build up if you’re ill or injured in countries with expensive healthcare costs.

Journey insurance typically covers emergency medical treatment, hospital stays and, in some policies, medical evacuation back to your home country. This can save you from significant financial strain and make sure you receive a high level of care.

A Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) can help you receive state healthcare in Europe. However, you might not receive the level of medical care you need should you require emergency medical treatment.

As well as medical coverage, journey insurance protects against trip cancellations or interruptions. Natural disasters, personal emergencies, or sudden illness can force you to cancel or cut your trip short. Journey insurance can reimburse you (depending on your policy), for non-refundable expenses such as flights, accommodation, and tours.

Journey insurance can cover the loss or damage of your luggage, enabling you to potentially replace essential items.

An effective policy can also provide coverage for travel delays and missed connections. If your flight is delayed or you miss a connecting flight, journey insurance can be invaluable. It can cover additional accommodation, meals, and transportation expenses incurred during the delay.

Journey insurance can include personal liability coverage, protecting you if you accidentally cause injury or damage to property while travelling. This can cover legal expenses and compensation claims, safeguarding your financial wellbeing.

Our journey insurance is tailor made to suit your unique needs. If you travel frequently or go on more than one holiday a year, an annual trip policy may be more cost effective. However, if you are planning on travelling once in one year, a single trip policy may be perfectly adequate.

We offer a wide range of journey insurance with a varied level of cover:

•       Choice of annual multi trip cover or single trip policies.
•       Emergency Medical expenses: choose from £5 million up to £15 million per person.
•       Cancellation or curtailment: choose from £1,500 up to £7,500 per person.
•       Personal belongings: choose from £750 up to £3,000 per person.
•       Missed or delayed departure.
•       Optional cover for sports, activities, and cruises.
•       Cover for winter sports.

As of 1st January 2021, laws regarding driving in Europe have changed. You need a hard copy document proving your car is insured when driving in the EU, known as a green card. You also need a separate green card for your trailer or caravan. Your motor insurer will provide you with this documentation, so contact them soon to obtain this documentation.

Our experienced journey insurance team can significantly enhance your travel planning by getting you the right coverage tailored to your specific needs. Their detailed knowledge of journey insurance, they can help you understand your policy’s terms and conditions, any exclusions, and the level of your cover. You can then be clear on what is covered and what isn’t.

Our team can assess your travel itinerary, activities, and personal circumstances to recommend the most suitable policy. Journey insurance through us can protect you against medical emergencies, trip cancellations, and lost baggage. Our advisers can provide insights into additional coverage options such as coverage for adventure sports or high value personal items.

In case of a claim, our claims team offers guidance on the necessary documentation and steps you need to take that can ensure a smooth and quick resolution. Their expertise ensures you receive comprehensive protection, allowing you to travel with confidence and peace of mind.

Our user-friendly online Quote & Buy option can provide you with:

•       Instant quote and option to buy
•       Option to increase or decrease elements of cover
•       Ability to purchase the policy when you are ready

If you have a pre-existing medical condition, you may still be able to get cover through our online service. Or if you prefer to talk to our journey insurance team, please contact us on 01823 250780 as we do offer alternative solutions.

Journey insurance through Lloyd & Whyte Heritage is provided by award winning insurer, AXA Insurance plc.1

Quote & Buy here: https://heritagetravel.b2ctravel.co.uk/quote

Or to discuss your travel plans, contact our team today.

Call: 01823 250780

Email: thatch@lloydwhyte.com

1.(i) https://www.axa.co.uk/newsroom/media-releases/2019/axa-home-insurance-wins-personal-finance-award/

(ii) https://www.axahealth.co.uk/private-health-insurance/best-health-insurance-awards/