With Christmas now a distant memory and Easter fast approaching, many of us are starting to plan our holidays for the forthcoming year
With so many best value holiday destinations to choose from, it can be difficult to decide between a short break or a long-haul trip, and there is always the worry about travel insurance and whether it will affect the budget. Beth Macer, expert at the Telegraph’s Travel Insurance service, provided by PayingTooMuch.com, offers some tips:
“Short breaks are great for those who wish to stay closer to home. A long weekend in France or Amsterdam not only will offer great culture but it won’t break the bank when it comes to travel insurance.
“There are many countries within Europe that are easy to insure at a great premium. Agreements between the NHS and certain countries within the European economic area mean that medical treatment doesn’t cost a fortune, so insurance premiums aren’t inflated to cover this. Regardless of age or medical condition, countries such as France, Italy, Portugal and the Netherlands are easy to insure at low cost. Trip durations also affect the cost of travel insurance, and most providers work on the basis of an eight-day week. If you are only travelling for three or four days then insurance premiums will reflect this. Shorter trips represent lower risks, as there is a reduced chance of your needing to make a claim.
Your trip duration matters
“Trip duration aside, there are several countries to watch out for within Europe. These are Spain and Spanish territory, Turkey, Cyprus, Greece and Switzerland. Because there are no reciprocal health agreements in place, medical care can be expensive, so premiums are increased accordingly.
“Visiting long haul destinations such as America would usually last at least two weeks, making them more expensive to insure as the risk is greater and medical costs are much higher.”
The cost of travel insurance by region
Here are a few examples of destinations and trip durations to give an idea of the cost you could expect to pay for insurance:
Three days One week Two weeks
France £9.10 £15.22 £19.62
Spain £10.44 £16.88 £21.80
USA £22.80 £37.98 £49.40
Premiums based on a non-smoking 65 year old traveller taking one medication for blood pressure and a preventative cholesterol medication. Prices correct at 6/2/17.
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