Holiday Insurance: Girls Guide To Travel Essentials

It’s about a week until you go on holiday and you’re panicking about whether you have everything you need – bikini, this seasons trendiest summer dress, sandals, suntan lotion and most importantly travel insurance. No one wants to spend hundreds of pounds on summer outfits to have them stolen and not be able to replace them because they didn’t have valid travel insurance.

Why is Travel Insurance essential?

Travel insurance could be the difference between having the best holiday memories to recalling the worst holiday nightmares ever. With great low price holiday deals available, due to the current recession, a little extra cost for travel insurance cover, which could ensure you have a secure trip should be one more thing to tick off your holiday list. The only thing you should be worrying about is making sure you get the best tan to make all your friends jealous.

Travel insurance providers have revealed that over 3 million Brits went abroad last year without sufficient travel insurance cover. That means that 13% of UK sun seekers ran the risk of huge medical bills and legal fees if an accident was to occur.

We girls know that holiday essential items include the latest summer clothing trends, showing off your soon to be tanned bodies with the newest ‘as seen on celebrities’ bikini’s, and of course a stylish beach bag to keep your beach accessories in. The only problem with having such desirable essentials is that other people will also find them desirable; meaning the risk of theft is high amongst young holiday goers. With an adequate travel insurance policy you should be covered in case of any unfortunate incidents - and though you can’t replace some personal items you will receive a pay out to help.

The last thing on your mind before you go on holiday is being ill. However, many of us catch something while we’re away no matter how hard we try to eat and drink sensibly. With many of us travelling to ever more exotic destinations we also run the risk of catching a more tropical disease such as malaria, yellow fever and typhoid - all of which could easily ruin your holiday – having travel insurance will give us the comfort that we are covered for expensive medical bills.

Have you got holiday fever?

As if the risk of tropical diseases isn’t bad enough we also have the danger of Swine flu. As the number of confirmed cases keeps rising, holidaymakers need to stay vigilant to the risks - especially when going abroad.

The good news is that travel insurance policies covers you for swine flu, and by taking a few simple precautions before jet setting off you can minimise the chance of contracting the virus and be free to enjoy your holiday knowing that you are covered for any unforeseen illness.

When taking out travel insurance you shouldn’t take the easy option and take your insurance out while booking your holiday as this can be a pricey option. Denting your purse before you have even set foot on your tropical paradise is certainly best avoided. Up to 60% of us take this option instead of shopping around and getting the best deal to suit your personal needs.Online can be a great option for selecting exactly what you want and eliminating what you don’t need. You could even do it at the same time as ordering those essential trendy holiday items.

Travel insurance is a relatively cheap holiday essential, far cheaper than those new sandals you just ‘had to have’, usually around £60 for a week abroad- doesn’t seem much for a week of fun in the sun, with the added safety blanket of travel insurance.

- K.J.N