When Is The Best Time To Buy Travel Insurance?

Person skiing down a mountain at high speed, surrounded by trees and a view into the mountains

We all deserve a good break, and whether you like to spend your holidays by the pool or skiing down a mountain, you will want to enjoy it stress-free. This is where travel insurance comes in. We know that life can throw anything at us, so giving yourself peace of mind whilst you are away from home is vital. What you might not know is that there is an optimum time for taking out your travel health insurance. This will save you money if you don’t make it to your holiday and it allows you to plan more effectively if you have a long-term condition.

Why should you have travel insurance?

There are plenty of reasons why you should have a travel insurance policy. Whether you’re looking for a policy that covers you for multiple trips, or an individual holiday trip, a travel insurance policy can help protect you against financial loss whilst you’re away from home on holiday. This can include protection against medical emergencies, death, cancellation and curtailment, loss of luggage, travel delays and damage to personal property. By using a chartered insurance broker,  we will ensure that your personal insurance covers all of your requirements.

It's especially important to get travel insurance if you have a long-term condition or illness. High risk medical travel insurance often costs a bit more than a standard policy. However, it will give you better protection should something happen whilst your abroad. We can also provide specialist travel insurance cover for higher risk activities for extreme sports, such as surfing, skiing, snowboarding and rock climbing which are not usually included in standard travel insurance policies. That’s why with Higos, you always know you’re properly protected with travel health insurance and can enjoy your holiday with complete peace of mind.

When should you buy your travel insurance?

The answer to this question is quite simple, as soon as you’ve bought your holiday! The sooner you get travel insurance, the sooner you are protected. If you choose a bespoke policy, you might be able to make a claim if the trip is cancelled or if you become unwell and have to cancel yourself. This is particularly helpful if you are on a group trip, which is something Higos can help with specifically. If you are on a group trip, we always recommend you speak to a professional insurance broker. They will be able to find the best travel health insurance policy to suit your holiday and needs.

We also recommend that you do this if you have a pre-existing condition such as cancer or heart disease. This is because a high-risk medical travel insurance policy can be more difficult to get. When you do choose a policy, you want to know that it is comprehensive. If you speak to Higos, one of our chartered insurance brokers can talk you through the process. Whatever your needs, or whatever your holiday, you can be sure your protection is comprehensive.

Once you’ve got your personal insurance, you can sit back and get excited about your holiday! Our big tip is to make sure you have your travel insurance claims telephone number to hand at all times whilst you are away. It’s always good to be prepared!

If you’re interested in speaking to a chartered insurance broker to help with your travel insurance policy, get in contact with us at Higos. We aim to get you the best price based on your requirements and offer fair and independent advice on travel health insurance. Whatever your holiday – it has to be Higos.

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