August 22nd, 2013

Don’t Cut Your Holiday Short!

by Don

You know what it’s like when you’re young and restless – it’s not always possible to plan for every outcome. Sometimes you want to travel without knowing when you’ll want to come back, or even if you’ll want to come back at all. Sometimes it’s just no fun to have concrete plans – especially if you’ve got no real need for them. Wouldn’t it be great if you could travel or go on holiday without being sure when you’ll come back?

Perhaps you’ve come into some unexpected money, or perhaps you’re visiting family on the other side of the world. Maybe you ‘re just uninspired with the life that you’re living at home and you want to experiment with something different. It doesn’t what your personal situation may be, as long as you’re aware of the fact that you don’t have to come home until you want to. That’s right – you can holiday for as long as you choose, just as long as you’re protected. Your travel insurance policy can be extended at any point during your holiday. It’s actually an extremely easy thing to do. There are a couple of rules though, say the experts at MoneySupermarket.com.

The vast majority of UK travel insurers will not issue a new policy to a traveller who is already overseas. This means that you must apply for a policy extension before your current one runs out – if you fail to do this you might have to return to the UK in order to get a new policy. Generally speaking, if you are looking to extend travel insurance beyond the expiry date a good time to apply is around a week before the policy runs out. That way, you can give insurance staff back home, plenty of time to deal with the paperwork and make sure that your cover remains intact. According to the government guide to travel insurance, most policies do come into effect either immediately or within 24 hours of purchase.

Fortunately, it’s very easy to apply for a travel insurance extension and the option to do so can be utterly invaluable for backpackers and people who aren’t quite sure what their travel plans might be in the near future. As long as you read the rules and regulations of a policy before you buy or renew it – you should be free to continue your holiday in the same carefree manner that you started it. It is important to be aware of the rules though – if you break an ankle mountain climbing in Japan two days after renewing your policy, that policy can only be used to cover the necessary health care, if its rules and regulations stipulate that it starts immediately after purchase. This is another reason why travellers who don’t want to cut their holidays short, should make sure to apply for an extension at least a week before their existing policy runs out.

You must make it clear that you intend to return to Britain. What you cannot do is renew an existing travel insurance policy with the intention of not coming back home at any point. In order to be covered, your trip must start and end in the UK. It would nullify your policy if you deliberately failed to come home to the UK, say the experts at Worldnomad.com. Furthermore, it would cost you an astronomical amount of money in the long run. If you don’t intend to return to the UK within a year of the start date of your initial policy – you would be much better off considering specialist ex-pat insurance.

It’s best to follow the rules when it comes to travel insurance. Nobody wants to think about accidents or illness whilst they are having a good time on holiday, but a responsible traveller knows that it’s important to be covered. Renewing an existing policy or taking out a policy whilst already overseas is no more complicated than doing it at home. If you don’t want to cut your holiday short – take ten minutes out of your day and give your insurer a call.

Author Bio: Kevin Maddox is an experienced backpacker and travel enthusiast. He recommend you are apply early to extend travel insurance beyond the expiry date. Kevin is currently planning a trip to Borneo but doesn’t know quite how long he wants to spend out there.

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