Insurance for your weekend away

Are you panning a weekend away? A romantic break in Europe? Somewhere even further afield? You may be going on a stag weekend or a city break. The options are endless.

Packing for the weekend is easy. All you need is a small bag with the essentials because you will want to travel light after all. However, one thing you may want to consider taking that won’t weigh you down at all is weekend break insurance, which a specialist like Bengo Travel may be able to help you with.

But do you really need travel insurance just for the weekend? Is it necessary for such a short break? Here are some of the things to know:

  • many people forget about insurance when they go away for the weekend because it may not seem worth paying extra for just a few days. However, if you go out of the UK even for a day, travel insurance can give you the peace of mind in knowing that you are protected financially against a wide range of situations. Anything can go wrong while you are abroad, and some of them can potentially be very costly;
  • if you decide to take out a policy, you will normally want go look for single-trip cover. Every insurer provides something slightly different, but a single-trip policy will usually provide cover for anything from a single day to a month or even longer. It really depends on the provider, but most single-trip policies should be able to provide you with cover for a weekend break;
  • even if you look for single-trip cover, if you are planning to travel on many weekend breaks throughout the year, you may want to look at multi-trip cover as well because it could save you money;
  • one of the most important things that a policy will typically cover is medical costs. Not every country has a health system as good as the UK’s, and even if it does, it may not be free. So if you go abroad and break your arm in a fall, you may require expensive medical treatment. For serious accidents or operations, the costs can be a lot higher, and this is what insurance can cover you for;
  • one thing you may have already packed is the EHIC (European Health Insurance Card), and this is well worth taking when you travel to another European country. However, remember that this only provides you with access to the same level of state healthcare provided to citizens of that country. Insurance can provide private healthcare of a higher quality and, importantly, if you need to be medically repatriated, only an insurance policy can get you home again. For more information on healthcare abroad, the NHS website is an excellent resource;
  • some of the other things that you may want to look for in your policy include cancellation cover, lost baggage, personal possessions and money, and missed departure.

Going away for a weekend break can be a lot of fun. But do you want to risk ruining it by forgetting to buy something so simple? It is completely up to you whether you take insurance, and it is not a legal requirement. So weigh up the risks and decide whether it is something that you want to take with you.

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