Whether you’re getting the heeby-jeebies for an upcoming trip or worried about health complications that are ready to pounce on you, Moneysupermarket has got you covered. It iis a UK-based price comparison website for customers to compare features and prices of various travel insurance policies. This comparison service compares the policies of several insurers to help prospective buyers find the best policy and deals that meet their needs.
To get an estimated price for a policy, customers have to provide details and other relevant information, which typically include travel dates, destination, duration of travel, age, pre-existing medical condition, etc. Moneysupermarket travel insurance then presents a list of policies for the customer to choose from. This article will walk you through the plans available, as well as what they do not cover for.
Moneysupermarket travel insurance plans
Although exact plans may differ according to the destination, age, etc, Moneysupermarket travel insurance offers several plans from different providers. Here is a general list of plans you can expect to avail of through Moneysupermarket:
Single-trip travel insurance
The Single-trip travel insurance covers one specific trip which is typically 90 days. It may include insurance for medical emergencies, trip cancellations, lost baggage, and many more. There are variations in this policy depending on various insurance providers.
Annual travel insurance
The annual multi-trip policy covers multiple trips throughout the year. This a cost-effective plan for frequent travellers. Some benefits that come with it are the tiers of coverage plans- from basic to premium, medical emergencies, cancellations or curtailment, loss of possessions and package, among others. Keep in mind that this policy has to be activated before each trip.
Backpacker travel insurance
The Backpacker Moneysupermarket travel insurance plan provides extra protection for people backpacking across the world. Unlike standard plans, it covers a range of wonderful aspects of travel like multiple destinations, extended travel duration of up to 12 months, and activities like skiing or rafting without paying for extra coverage all in one plan. Their standard coverage gives protection against holiday disruptions, legal fees, cancellations and medical emergencies. Remember that it’s important to read the policy documents to stay abreast of where the coverage begins and ends.
Cruise travel insurance
This travel insurance Moneysupermarket offers is a type of policy specifically designed for cruise passengers and may include coverage for missed port departures, cabin confinement, and other unique risks associated with cruising.
This policy is tailored to suit the needs of cruise passengers and includes coverage for missed port departures, cabin confinement, and various other risks associated with cruising. It goes without saying that the standard elements of a policy are also included like cancellations, medical emergencies, loss of packages, accidents, etc.
Family travel insurance
The family insurance offered by Moneysupermarket travel insurance covers families travelling together, including children (age specified according to plan. They can choose the single trip or the annual trip plan. Another plan they can choose is the long stay policy for trips up to 18 months and multiple destinations in a single trip.
Over 70s travel insurance
With old age comes an increased risk of health complications. Standard insurance generally does not cover pre-existing conditions so this is a wonderful option for people over 70 years to take out a specialized policy that caters to their needs. It may also offer advanced coverage for medical conditions, making it a great option for senior citizens.
Pre-existing medical condition insurance
An insurance policy will likely tilt to the expensive side if there are pre-existing medical conditions. This Moneysupermarket travel insurance plan will cover you should you need medical treatments while you’re away. If the plans listed are inaccessible to you, there is help to give you specialist coverage. The MaPs directory website has a list of specialist insurance providers. Alternatively, you may contact the British Insurance Brokers Association at 0370 950 1790.
The guidelines for what Moneysupermarket travel insurance does not cover:
- Pre-existing conditions not mentioned – No medical cover for expenses should you exclude it from your application
- Airline strikes- There is no insurance coverage if your flight is cancelled or delayed due to airline strikes, although you could be eligible for compensation through the airline. However, you can claim on your insurance for other costs incurred, such as accommodations.
- Not travelling – Travel insurance will not cover you if you simply decide not to travel.
- High-risk activities- A standard policy does not cover higher-risk activities like winter sports. However, you can get this in a specialist cover
- Missed flights – You will not be covered by insurance on the off-chance that you miss your flight.
- Alcohol-related accidents- Most insurance providers won’t pay for incidents related to alcohol or leisure drugs.
Moneysupermarket travel insurance allows individuals to compare policies in terms of features and prices from different providers. This helps them find the best policy that suits their needs. The platform is easy to research on and includes user reviews which help others make a more informed decision. At the end of the day, choosing a travel insurance plan on Moneysupermarket will make the process of choosing a policy easier for you.
Also Read :- Avanti Travel Insurance
What is Moneysupermarket travel insurance?
Moneysupermarket travel insurance will cover for unexpected incidents that occur on trips. Getting insured is a sensible thing to do to cover the monetary loss. The insurance company will compensate you up to a set limit.
What is the right time to take out a Moneysupermarket travel insurance policy?
It’s recommended to take out a policy as soon as you become eligible to do so. This will cover part of or most of the expenses if something goes wrong. It could be due to illness, injuries or death.
What does excess mean in travel insurance?
An excess is an amount needed to pay when making a claim, and it is different according to separate insurers. For example, with a policy of a £150 excess, in your claim for a baggage loss of £800, you would have to pay the £150. The remaining £650 would then be paid out by your insurer.