Visa application: Always check before booking your trip whether you need one
Visas are now needed to enter multiple holiday destinations, from countries such as Turkey, the US, India and Australia.
“A visa is required in these countries for short stays as well as longer trips,” says Fiona Macrae, from independent consumer awareness initiative Travel Insurance Explained, “so make sure you have a visa even if you are just visiting for a few days.”
Other countries, such as Thailand and Vietnam, may require a visa for longer stays.
The best travel advice is to check online whether your destination requires one before you get carried away with booking those cheap flights.
The price of a visa will depend on where you’re travelling to.
Travellers should only apply and buy visas from the links on the UK foreign office website
“For instance,” explains Macrae, “a Turkish e-Visa is $20 (£15) for a three month visa, whereas an Indonesian visa for stays more than 30 days costs $35 (£26).
“I would strongly suggest that travellers only apply and buy visas from the links on the UK foreign office website as there are numerous fee charging and fraudulent website sites operating to scam holidaymakers.”
Unfortunately, no travel insurance policy will reimburse travellers for the cost their trip if they don’t have the correct visas.
It is vital you check you have the right documentation before travelling.
Some countries require a lengthy approval process before granting entry.
Visa application: Visas are now needed to enter multiple holiday destinations
The Russian Embassy advised in March 2018 that it takes around 20 business days (four weeks) to process most visa applications.
Some policies such as Postcard Travel Insurance will pay for your visas if you have to abandon your trip and can no longer use the visa, but not if you cancel because you had the wrong visa.
In the eventuality that your visa or travel documents are stolen, you need to check whether your travel insurance policy provides cover.
‘If it does,” says Macrae, “it will usually contribute towards the cost of additional travel and accommodation expenses to get to the nearest consulate to have temporary travel documents issued, and the cost of the temporary documents.”
Generally, travel policies will not contribute towards the cost of replacement flights or the cost of additional accommodation if you miss your original flight home because of a lost passport.
Visa application: The price varies depending on which country you’re visiting
Some, but not all, policies will cover the cost of purchasing a new 10 year passport back in the UK.
When choosing your travel insurance you need to remember it’s a very personal type of insurance and there is no ‘one size fits all.’
Find one that best suits your needs and circumstances.
“Travellers should think about what sort of vacation they are going on, activities they plan on doing and the value of gadgets and personal possessions they will take with them,” Macrae told Express.co.uk.
“This way people decide what they need from a policy and the protection it offers.”
Visa application: Think about the activities you’ll be doing when choosing travel insurance
She continues: “Holidaymakers planning on going trekking or backpacking will require a different policy or policy extension to people that plan on taking part in watersports activities to those going skiing or snowboarding.
“Another important thing to remember are exclusions and limitations in cover.
“These are the things your policy will not cover and are often as important to consider as the things the policy will protect.
“My advice is think about what you would expect from a travel insurance policy and check your expectations against the cover provided.
“Don’t use price as a starting point to decide if the cover is right for you.”