EXPERT ADVICE ON BUYING TRAVEL INSURANCE POST-COVID

battleface’s Sasha Gainullin explains how to get the most out of your policy

How has the pandemic changed travel insurance policies?

“A one size fits all policy no longer works. Pre-pandemic, the travel insurance industry had not kept up with the way people were travelling – essentially all travel insurance policies were the same, with a lot of exclusions. We developed policies to meet the needs of today’s travellers. When government travel advisories changed – as the pandemic hit – battleface policies kept protecting travellers when others did not. We were also one of the first companies to come out with COVID-19 medical protection.”

What happens to your travel insurance if the country switches from the green or orange list to the red list?

“battleface insurance policies remain valid irrespective to changes to the Department of Transport’s traffic light list and changes to FCDO advice.”

What are the main things travellers should look out for before booking travel insurance?

“Every international trip has its own unique risks and challenges, depending on the destination and planned activities, so making sure all eventualities are covered by your travel insurance policy is essential. Medical and other emergencies typically wrack up the most costs, so ensuring your policy gives you access to 24/7 medical assistance and/or be brought home is essential.

In addition, you should look out for the following:

• Medical expenses and emergency evacuation.

• Accidental death and permanent total disability.

• Baggage loss or delay.

• Personal money and passport.

• Trip cost cancellation.

• Personal liability.”

How much should travel insurance cost?

“Price should not be the only factor when deciding on your travel insurance. The cheapest option may not offer the best value or might have a high excess, for example. At battleface we’re always tracking the global travel ecosystem to ensure we’re covering the right risks at the right rates.”

How long does it take to get insured?

“With battleface you can buy effective travel insurance in just a few clicks.”

If you had to give someone one piece of advice on booking travel insurance, what would it be?

“Make sure you have adequate insurance for your destination; the activities you’ll be doing; the length of trip and any pre-existing medical conditions.”

Why should travellers consider booking with battleface?

“battleface insurance is simple, effective travel insurance built just for you. It is flexible too – you can buy policies if you are already travelling.”