We can provide annual and single trip holiday insurance, winter sports cover and insurance for backpackers, families and business trips. We ensure that our policy provides sufficient cover for you and your belongings, wherever you are in the world. Arkwrightinsurance Provides cheap Insurance for Bolton, Birmingham, Buckingham, Chorley, London, manchester, Preston and wigan.
Why Do Need a Travel Insurance?
A travel insurance is the only option to protect your stay abroad if you are looking for travel insurance, international health insurance, international insurance, a travel assistance plan or travel assistance coverage you have arrived at the site indicated.
Remember that travel insurance for Europe is mandatory, as specified in the Schengen Treaty, with coverage of 30,000 euros or more. All insurance plans for Europe available on arkwrightinsurance.co.uk, apply to this requirement.
Some of the insurance
- International health insurance
- International travel insurance
- International medical health insurance
- Medical travel insurance
- Medical insurance in United States
- International travel medical insurance
- Medical insurance to travel to Spain
- Medical insurance to travel to Cuba
- International traveler insurance
- Traveler insurance Mexico
- Travel insurance for Cuba
- Travel insurance for Europe
- Annual travel insurance
- Cheap travel insurance and more
Whether travelling in Europe or further afield, on business or for leisure, weekend getaway or a long-term visit, at Arkwright we have access to an extensive range of top insurers to ensure you get cover suitable for you.
A single trip travel insurance policy will be very different to backpacker travel insurance, or travel insurance for over 65s.
How to define your travel insurance needs?
To get away with peace of mind, whatever destination you choose, travel health insurance is necessary.
Faced with the multitude of offers, it is important to carefully consider their needs, according to their situation and the nature of the trip, before signing a contract.
Inquiring about insurance is an important point when organizing a trip. Each person has different needs and priorities (families, students, seniors,) and must, therefore, pay close attention to the various guarantee tables to find the contract that corresponds to him, at the best rate.
It is useful to be well informed and to read the general conditions of the contract carefully so as not to be surprised once the contract subscribed. If you have any questions, please do not hesitate to contact your broker. It is better to speak to a specialist.
Arkwright Insurance Brokers allows people who are going to move for any reason to be protected from health, personal accident, luggage, delays or cancellation, among others. In this way, and depending on the type of trip you are going to take, you can choose between Temporary, Travel Cancellation, Erasmus, Excursion, Ski and Snow, Hunting and Safari, Golf or even Adventure insurance.
The right questions to ask
Once your travel booked, it’s time to think about taking out insurance to leave the mind light. In selecting the most suitable contract, it is important to define these needs clearly. A family with young children will not have the same expectations as a young student.
First, it is necessary to define the type of trip to be undertaken and its duration. Indeed, the cover differs according to the nature of the trip (family tourism, expatriation, round the world).
Of course, the choice of the country of destination is also to be taken into consideration as it makes it possible to assess the country risk regarding the quality of life, political stability, and natural disasters. Are you going to an area where natural disasters are frequent? Is the political stability of the country fragile? Some insurance policies classify countries by geographical area to establish a tariff schedule or in some cases exclusions.
Another important issue is the number, age, and health of the traveler (s), as insurance rates also vary according to these criteria. Indeed, it is obvious that a person already prone to health problems will be more likely to fall ill. Pre-existing diseases are often excluded from coverage. Similarly, rates can be calculated according to the age group of the insured.
The different options offered by travel insurance
A travel insurance usually offers a charge for health care costs:
Coverage of medical expenses: Your contract is intended to cover the current medical expenses that you may need during your trip. You will need to pay attention or perhaps focus on the conditions of take-over and reimbursement such as ceilings, waiting periods, deductibles or exclusions. For example, some medical specialties may not be taken care of, even in an emergency.
Inpatient care: When you have to undergo hospitalization, travel insurance contracts can directly cover your expenses. Pay close attention to the exact definition of hospitalization in the terms and conditions of your contract. Frequently, setting foot in an emergency room is not synonymous with hospitalization. Spending more than 24 hours or one night in the hospital is often the criterion that makes the difference between emergency care and hospitalization.
Repatriation in the case of medical emergency: Very often after the agreement of the medical team of the company and the attending physician. It is very important that you ask all your questions to your broker to understand exactly what a repatriation is in charge of what exactly it consists of (medical plane, repatriation to the home, etc.
Other warranties, not related to medical care, may also form part of the insurance contract:
In the event of loss or deterioration of the luggage, some insurances offer compensation in addition to those of the transport companies.
If perhaps there is cancellation of the trip; some contracts offer a cancellation option allowing the refund of the amount of your stay. This refund can be total or partial, depending on the general conditions, the reason for cancellation or the number of days between cancellation and travel.
The Civil Liability Cover: Covers unintentionally caused damage to others. It can be Civil (in this case it concerns only your privacy) or professional, and you will also cover in the course of your work. As part of an internship, the general conditions differ, it is important to inquire with your broker.
Individual Accident and Retirement: It provides for the payment of capital in case of accidental death or permanent disability during your trip. Each contract offers different amounts and conditions regarding this guarantee, so it is useful to read the paragraphs dedicated to this in the general conditions.
Practical advice: If the client wishes to cancel his contract of travel insurance, he has a legal period of retraction after the signature of the contract. Warning! Certain contracts signed in a very short period (subscription date very close to the date of departure) require the withdrawal by the insured of his right of withdrawal.
For this reason, we insist on talking to our customers, instead of dispensing generic online quotes to guarantee that we provide the best travel insurance policy for you. For detailed information on the policies available, to discuss your individual requirements, to find out more about our multi-trip travel insurance policies, or for travel insurance quotes: call Arkwright now on 01204 392 525