2016 is here, Christmas has been and gone and the January blues are setting in. For many of us, it’s the perfect time to book a holiday as the mind fills with wanderlust and escapism takes us to sun-soaked beaches far, far away from the British dull grey and cold.

If you’re one of the lucky ones and you've already confirmed your holiday plans, whether it’s a ski or snowboard holiday, a city break to Europe, a family beach holiday, a relaxing cruise or a backpacking adventure in Australia or New Zealand - have you remembered your passport? Silly question, you may ask.

Next question: have you arranged Travel Insurance? Well, you wouldn't travel without a passport so why would you travel without protecting yourself, your family, your possessions and your holiday? Here are some points to remind us why travelling uninsured is a big risk:

The Global Health Insurance Card

The Global Health Insurance Card (GHIC) - which has replaced the European Health Insurance Card (EHIC) now Britain has left the EU - is important and entitles the cardholder to medical treatment within the EU and several other countries, but doesn't replace travel insurance. Whilst some countries will treat you for free, other countries will charge you at the local or subsidised rate (country-dependent) and the cover doesn't include costs for specialist treatment, repatriation or return travel.

(Note: EHICs issued prior to 31 December 2020 remain valid until they expire. Anyone without a valid EHIC prior to 31 December 2020 will need to apply for a GHIC to benefit from accessing state-provided healthcare during a temporary stay in the European Union.)


Holiday Cancellation

Holiday cancellation would be an unwelcome and disappointing prospect for anyone preparing to set off, but life is full of unexpected events and sometimes people need to put holiday plans on hold due to illness, family crises, etc. Taking adequate travel insurance early on can help avoid the additional burdens and costs that a holiday cancellation would bring.

Medical Cover

Medial Cover is imperative should you fall ill or have an accident on your travels, especially in a different time zone. Hospital treatment for a stomach bug in America, with return flights to the UK, could cost £100,000 (according to the Foreign & Commonwealth Office), so why take the risk? Medical cover provides you with medical facility information, payment of hospital bills, evacuation or repatriation and assistance to reschedule travel plans as a result of an emergency. Quality travel and medical insurance makes financial sense, but it can be life-saving.


Emergency Assistance

Emergency Assistance providers are trusted and experienced companies who are dedicated to helping you when something unexpectedly goes wrong on your trip. They offer a range of services to help if you come into difficulty, including assistance if you lose travel documents or have a medical emergency. All Cover-More travel insurance policyholders have access to 24 / 7 in-house emergency and medical specialist teams.

Why choose Cover-More?

Travel Insurance is a small investment for such great peace of mind. Live more and travel more with Cover-More. Book your Travel Insurance today with Cover-More, nominated Best Travel Insurance Provider 2016.

Assisting our Customers in Nepal

See Cover-More's rescue mission to Nepal, bringing customers to safety: