Good travel insurance is ESSENTIAL before setting off on any overseas trip - and is to be much recommended for UK holidays as well.
In common with all responsible tour operators, it is a condition of booking with Limosa that all clients are fully and adequately insured before travelling overseas with us.
Your travel insurance should cover against cancellation, curtailment, missed departure, delay, personal accident, death, loss of baggage and valuables (see note below), personal liability and legal expenses.
Most importantly, your insurance must cover you fully in respect of medical care and repatriation should you become too ill to continue with the tour, including the cost of emergency evacuation by helicopter or air ambulance should this be necessary. Note that passenger liability insurance covering the transportation that we hire, particularly in Third World countries, may be inadequate; it is therefore important that your insurance cover includes sufficient provision for your dependents in the event of an accident.
We recommend that you obtain travel insurance as soon as possible after booking your holiday to ensure you are protected right from the word go in the event of unexpected cancellation prior to departure due to accident or illness.
You must inform your insurers of any pre-existing medical conditions (including those of persons not necessarily travelling but upon whom your holiday may depend) that may require treatment during a period of overseas travel or might cause you to cancel the trip.
Once you have arranged your insurance, please be sure to send us the following essential details: name and contact details of your insurance provider, your policy number, expiry date and your insurers 24hr Emergency Assistance number.
Important Things to Note About Travel Insurance Cover
All travellers should be aware that Travel Insurance does not normally provide sufficient cover for valuable optical equipment, which is often best protected under your own household insurance policy. If in doubt ask your insurers for advice prior to travel.
Most travel insurance policies limit the amount of cover, typically up to a maximum tour cost of £5000 per person. If the tour you are booking exceeds this amount, additional cover can usually be provided upon payment of additional premium. We recommend all travellers check their individual policy limit to ensure the full cost of their holiday is covered.
Arranging Your Insurance: due to UK Government legislation, under Financial Services Authority (FSA) regulations, we are not allowed to offer or recommend travel related insurance to customers. Premiums can vary widely according to your age, needs, health, choice of destination and other factors, while many people nowadays have Annual Travel Insurance cover. For these reasons, we leave you free to shop around and pick your own policy, one best suited to your own individual needs.