Money-saving expert Martin Lewis has issued an important travel advisory warning to anyone planning their next trip abroad.
Forgetting travel insurance puts many vacationers on their feet, but without this coverage you have to take a big financial risk, especially when traveling abroad during the Covid pandemic.
The consumer champion says he is inundated every year with inquiries from people asking what their rights are if they have to cancel a holiday due to unforeseen circumstances.
READ MORE: Brits were eager to book their next holiday after the government eased travel restrictions earlier this month
Martin shared his latest advice to holidaymakers on this week’s episode of his ITV Money Show Live.
The government eased travel restrictions earlier this month, making it easier for people to fly abroad and return home without the need for quarantine restrictions.
Martin has urged anyone planning their next trip to ensure they get travel insurance as soon as they book, the Liverpool Echo reports.
He explained: “The answer is you don’t have one. The flight is still going ahead and there is nothing wrong with your ticket.
“I ask if they have travel insurance and they say ‘I would get it before I went'”.
Now Martin has encouraged anyone going on vacation to get insurance as soon as possible because “so many of the things you can claim can happen before you go on vacation”.
The presenter of the ITV show said the cheapest travel insurance for people under 65 can start at less than £10 a week for a person in Europe.
The policies Martin identified cover people who are unable to travel after testing positive for Covid – as well as protecting anyone who contracts the virus abroad and needs to stay longer.
He added: “I call these deals no-nonsense because they are super cheap and they all meet my minimum claim levels.
“But I can’t vouch for the service and how they handle claims. They are very cheap and if you have a problem with how they handle the claim, you can raise it with the ombudsman.”
The money guru urged vacationers to check whether the policy is appropriate before signing up.
He said, “Check the policy, check the levels of coverage, read it before you sign up for the check to see if it’s all appropriate. That’s one of the things you can protect yourself against.”
What travel insurance do I need?
Now travel insurance is as important as ever, but when you book a policy at this point you should check that it also includes Covid coverage, and always make sure to read the fine print so you know exactly what you are covered for are.
You may need to extend the policy to include travel cancellations, medical expenses or the fact that you have to shorten your trip for Covid-related reasons.
It’s worth noting that if the State Department advises against traveling to a destination, your travel insurance will become void if you choose to travel against this advice.
If a country is on the red list, the State Department usually advises against all non-essential travel, which is likely to cancel your vacation.
If the travel organization cancels your holiday, you are entitled to a refund. Some companies still offer alternatives, such as rebooking at a later date or for several donations and even vouchers.
You are welcome to choose the option that best suits your needs, but remember you are entitled to a refund.
If you’ve booked a flight and hotel separately, you may have to negotiate a bit, especially if your flight isn’t cancelled. As for your accommodation, whether you can get your money back will depend on your booking policy.
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