It is always advisable to book insurance as soon as you book your holiday and make a payment. From this point onwards, your money is at risk, as deposits are not refundable and cancellation charges increase as your holiday departure date approaches. Once you travel, then holiday insurance also provides you with cover for such essential items as medical treatment, travel delays, personal possessions and may allow you to claim reimbursement if you have to return home early. For your own peace of mind, please ensure that you are insured.
During these uncertain times, the actual cover available is very important, so when you choose your insurance policy, you may wish to check that cover for cancellation in the event of your contracting Covid-19, or having to self-isolate because members of your household have symptoms, is included. Some policies exclude this, although most will provide cover if you are taken ill whilst on holiday. There are policies available, which provide more comprehensive cancellation cover for Covid-19 and you may wish to seek them out.