5 Things Most People Overlook in Travel Insurance

Travel insurance is one of those things many people buy last-minute, often without giving it a second thought. But while it seems simple on the surface — cover for lost luggage, medical emergencies, or delayed flights — the fine print can make all the difference between a successful claim and a denied one.

One common mistake travellers make is underestimating the impact of pre-existing medical conditions. If you’ve ever had a diagnosed health issue, even something as common as asthma or high blood pressure, it must usually be disclosed when buying a policy. Failing to do so can invalidate your claim, even if your emergency isn’t directly related.

Another overlooked factor is the actual value of what you’re taking with you. Many standard policies limit coverage for items like laptops, cameras, designer clothes or jewellery. If you don’t declare high-value items or add optional gadget cover, you might not be compensated fully — or at all.

Then there’s the adventure angle. You’d be surprised how many travellers go skiing, scuba diving, or even just rent a scooter without checking if those activities are covered. Most insurers classify them as “high risk,” meaning you’ll need to add optional sports coverage in advance.

Cancellation terms are also often misunderstood. While most policies include cancellation protection, they’re typically valid only for a narrow set of reasons — such as medical emergencies, bereavement, or serious disruptions. If you want full flexibility, including cancelling for personal reasons or work conflicts, you’ll need a “Cancel For Any Reason” upgrade.

Lastly, many people don’t realise how high their policy’s excess — or deductible — might be. That bargain policy might only cost £12, but if it comes with a £500 excess, it might not be much help when you actually need it.

Travel insurance isn't just a formality. It’s a safety net — but only if you understand how it really works.