Travel Tips

When booking your holiday, you're excited, it's your chance to have a great time away from your daily life and the last thing you want to think about is what could go wrong whilst away.

Unfortunately, the unexpected can happen, and without travel insurance your holiday could become a stressful experience and potentially, in the worst-case scenario, an expensive one. Thankfully with Direct2Insure our travel insurance covers you for your baggage, flight cancellation and your medical cover, as well as much more depending on the cover you select.

Why do I need travel insurance?

As mentioned above, travel insurance is there to cover the costs of anything that could go wrong while you're on holiday, if it is covered by the travel insurance policy you have selected. The risk of needing medical treatment while on holiday is not something we tend to think about while booking, but it's something that should be considered as the costs can be huge and without insurance, the British Consulate is unlikely to help you with emergency expenses. In a recent study (2017) by the Association of British Insurers stated that the average cost for overseas medical treatment is £1300, but this can be much, much higher.

What do I need to cover?

There's always a risk of things going wrong on your holiday so make sure that you are prepared if they do, get travel insurance cover for the things you need! With Direct2Insure, you get medical cover as standard but if you need to claim for a medical condition that you have a medical record of but haven't declared it, you won't be covered.

How medical cover works

With a Direct2Insure travel insurance policy, you are covered for medical conditions unless you have a pre-existing medical condition that was not screened when getting your quote. Sounds complicated? It's not, here's how it works.

If you break your leg on holiday then you're automatically covered. You’re also covered if you’ve broken your leg before your holiday but have screened the condition with our medical screening.

However, if you break your leg before your holiday and do not screen the condition and you need medical help while on holiday, then you will not be covered.

We need to know about your medical conditions before you go away so that we can cover you.

Got a condition different from a broken leg? Don't worry, we cover thousands of medical conditions, there's sure to be cover for you. Including some of the most common medical conditions:

  • Arthritis
  • Asthma
  • Bipolar
  • Broken Bones
  • Cancer
  • Dementia
  • Diabetes
  • Depression
  • Down's Syndrome
  • Epilepsy
  • Heart Condition
  • High Blood Pressure
  • High Cholesterol
  • Slipped Disc
  • Stroke

And more...

What is a European Health Insurance Card? (EHIC)

EHIC stands for European Health Insurance Card, this card is limited to use within the EU. It treats you as a member of the country that you are currently in, therefore you can receive free or discounted medical treatment when abroad in the EU. In some cases, when getting travel insurance, the insurer may refrain from using excess on your travel insurance policy.

Applying for a European Health Insurance Card is simple and free. However, there are some services out there that will help you apply for a fee, these are unnecessary as it's so simple. All you need is your:

  • Full name
  • Address
  • Date of birth
  • National Insurance Number (or use your NHS number) *
  • CHI number **
  • Health and Care number ***

* = England and Wales, ** = Scotland, *** = Northern Island

Apply for your EHIC card here: Apply for a European Health Insurance Card.

Please note, this is not an alternative nor does it replace your travel insurance. It will not cover the cost of private medical treatment, or being flown back to the UK, a mountain rescue or lost/stolen property. Additionally, an EHIC card is not applicable on a cruise.

Do I need an annual or a single trip travel insurance policy?

Deciding between an annual trip or single trip insurance policy can be a confusing decision to make, but it doesn’t need to be. Here’s Direct2Insure’s help for annual trip and single trip travel insurance.

Annual Trip Insurance

If you decide you need an annual trip policy, you will be covered for an entire 12 months with the option of starting this period up to 31 days in advance of when you purchase annual trip cover. An annual trip policy gives you the freedom when going on holiday over the year, there’s no limit to the number of trips you take per year and you do not need to tell us where you’ll be, all we need to know is the region that your holidays will be in.

The only drawback of an annual trip is a set maximum duration for each of your holidays, this can range from 17 to 31.

The selectable regions for an annual trip are: UK, Europe 1, Europe 2, Australia and New Zealand, Worldwide and Worldwide Excluding.

  • UK = United Kingdom, Scotland, Wales, Northern Island and the Isle of Man
  • Europe 1 = Austria, Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural Mountains), San Marino, Sicily, Slovak Republic, Slovenia and Sweden
  • Europe 2 = Includes all Europe 1 countries, as well as the remaining countries west of the Ural Mountains: Andorra, Belarus, Canary Islands, Cyprus, Greece, Spain and Switzerland
  • Australia and New Zealand
  • Worldwide = Includes Canada, Caribbean and the USA.
  • Worldwide Excluding = Excluding Canada, Caribbean and the USA.

Single Trip Insurance

A single trip insurance policy covers you between the start and end date of one holiday to a specific country, not a region. When purchasing a single trip travel insurance policy, the cancellation cover starts from the date you purchase the policy which is a major difference to the way an annual multi trip policy start date works.

Winter Sports Insurance

The extra “risk” that comes with a winter sports holiday means an additional premium is required just to make sure the correct cover is in place. This does mean though that all the standard features of the Direct2Insure cover would apply such as the all-important medical cover, particularly relevant on a winter sports holiday.

The chance of hurting yourself on holiday whilst taking part in a winter sports is increased and why medical cover is probably one of the most important aspects of your policy there is more to consider, such as cover for lost or broken equipment and missed skiing opportunities.

Golf cover

For those of you interested in golf holidays, there are extra areas of travel insurance to consider like the cost of replacing lost or broken equipment and any missed green time.

Golf equipment can be expensive but by adding golf cover to your travel insurance policy with Direct2Insure we will cover a percentage of the cost to replace items based on their age, full details are available in the policy wording.

Get a Quote

With travel insurance prices starting at £7.59 for a weekend trip in Paris, see how much cover you can get for our value prices.

Use our website or call our friendly UK call centre team that will be happy to assist you in qouting with us.

Get A Quote01376 809126