As a parent, you already know to expect the unexpected. Keeping your children safe requires advanced planning and preparation. This is especially true when going on holiday. In the event of a cut, upset stomach, or headache, you pack a first aid kit alongside your luggage. You may also keep important phone numbers nearby, pack extra nappies and baby supplies, and take other advanced precautions. The same should also be true for the insurance policies that you currently have.

Although you probably have one (or more) of the following types of insurance, it is essential to know what is and is not covered before travelling. Whether you need to check on your existing policy, or request a policy for the first time, here are four types of insurance that will help keep your family safe on holiday.

Boat Insurance

Planning to take your boat out on the water for your holiday? Be sure that you and your family are protected by having the boat properly insured. In the event of damage or injury, boat insurance helps pay for your expenses, and can help avoid costly out-of-pocket repairs while on holiday.

Travel Insurance

About to reserve your accommodations and travel excursions? If you are offered travel insurance at the time of booking, consider making the purchase. While not all travel insurance policies offered are worth the extra fee, some can help protect your family from losing money due to inclement weather or other unexpected cancellations. Before agreeing to any travel insurance offered, be sure to read the fine print to see if the insurance policy makes sense for you and your family.

Pet Insurance

Many individuals consider their pets to be part of their families, so it is important to be sure that pets are kept safe too. If you are taking your pet on holiday (or even if someone will be watching them while away), having pet insurance helps protect your pet’s health and your family’s finances. Unexpected trips to the veterinarian can easily cost £1,000 or more. Pet insurance can help you avoid sudden expenses related to your pet’s health, and can ensure that your pet will get the needed care at a reduced cost.

Life Insurance

One recent study revealed that one in four breadwinners in the UK do not have life insurance. If something happened to you or your spouse, would your family struggle to pay bills? Of the many types of insurance offered, life insurance is one of the most important to have. Before going on holiday, remove the worry of protecting your family by requesting, or updating an existing life insurance policy.

Keeping your family safe on holiday

While you already do a wonderful job of keeping your family happy and healthy, requesting and updating insurance policies can help keep them even safer while at home and away on holiday. If you have all of the policies listed above, take the time to contact your insurance providers to better understand what is and is not covered, and make updates as needed. One more important tip: be sure to enjoy your holiday.