Although we hope you never need it, we always advise all Holiday Farmhouse in Tuscany guests to take out adequate TRAVEL INSURANCE.

With this in mind, we've put together some information and tips to help you choose the correct Travel Insurance policy (Note: Whilst most of the information is useful for residents of any country, some applies to UK residents only).

  • Always take out Travel Insurance well in advance of travelling. Sometimes medical costs can be astronomic and without sufficient insurance cover you could end up in serious trouble. Apart from medical expenses the policy should also cover things like; legal expenses,cancellation & curtailment, loss of money, baggage, passport, etc. and personal liability.
  • Make sure you choose Insurance Coverage to match any activity that you intend to undertake, so that you and your equipment are covered while participating, e.g. skiing, scuba diving etc.
  • Single trip policies are available for trips up to a maximum duration (usually 31 days), if your trip is going to be longer, check with the insurance company first.
  • Cover for winter or dangerous sports will usually mean a higher premium.
  • If you travel more than twice a year, it is probably cheaper, and definitely more convenient, to take out annual travel insurance.
  • Most annual policies will specify the maximum length of each trip (usually 31 days), so make sure you find a policy with flexible rating if your trips are going to be longer.
  • Annual policies will generally cover winter sports for trips of up to 17 days, but may not include activities such as scuba diving.
  • Buying travel insurance online can mean you pay less than half the premium charged by tour operators or in the High Street.
  • If you go away on business trips regularly, make sure you are covered – many policies exclude business travel.
  • If you take out travel insurance as a couple, make sure you are covered if you travel independently of each other.
  • If you have children, family cover may be better value – but look out for the number of children allowed on the policy.
  • When claiming, most insurance companies require receipts to be produced for all items lost, damaged or stolen. If you replace items, ensure you retain the receipts.

  • Exclusions

    Most (UK) insurance companies will NOT give you a quote if you can answer ‘yes’ to any of these questions:

  • Have you or any of the other people to be named on the policy ever been refused travel insurance or had any terms imposed?
  • Have you or any of the other people to be named on the policy suffered from any serious or recurring illness?
  • Are you or any of the other people to be named on the policy aware of any reason why a planned holiday will be cancelled or cut short?
  • Are any personal or family trips for business purposes?
  • Is there anyone on whom your journey depends (whether travelling or not) who suffers from any chronic or recurring illness which may lead you to cancel or cut short your holiday
  • Do you reside anywhere other than in the UK?
  • Some policies also exclude those people aged over a certain age or have special terms and conditions for them.
  • We have checked out what is available on the web. We recommend one of the UK's leading direct sell travel insurance providers Essential Travel . They provide a fast, simple to use service and most importantly have very competitive prices.

  • Book your travel insurance online with Essential Travel and save up to 50% compared to the cost of booking with a high street travel agent.
  • They have a comprehensive range of policies including single tip, annual and special cover for Winter sports and Golfing holidays.

  • You can book online now for instant cover and immediate policy confirmation.
  • All of their policies include access to a 24 Hour Emergency Assistance Helpline which can provide multi-lingual assistance, anywhere in the world, for the duration of your holiday. Essential Travel Ltd are authorised and regulated by the Financial Services Authority.
  • If you are a U.S. Resident and would like a competitive travel insurance quote, Essential Travel Limited (US) have teamed up with Quote Travel Insurance to provide U.S. Residents with the best choice of travel insurance with over 100 travel insurance proposals to choose from.

    European Health Insurance Card

    The European Health Insurance Card has replaced the E1.11 form. This card entitles you and your family to free or reduced-cost emergency medical treatment in most of Western Europe. Travelling with it can give you extra peace of mind and save on medical insurance bills. You can apply for one online , or call 0845 4647.