Is it time to plan your summer holiday 2022?

The Covid-19 pandemic has disrupted most areas of our lives over the last couple of years. One of these is holidays. Many people have had to postpone holiday plans or cancel them altogether. 

But as travel restrictions are gradually easing, is it now time to plan your summer holiday for 2022?

In this article we look at:

  • How to find the right holiday for you.
  • When is the best time to book your 2022 summer holiday?
  • What kind of travel insurance do you need?
  • What about vaccinations?
  • When do you need to pay for your summer holiday?

How to find the right holiday for you

There are five considerations that can help you to find the right holiday for you.

  • Destination

The first thing to do is narrow down the places that you would like to travel to. As you do so, bear in mind potential travel restrictions and check Gov UK for the latest Foreign Office travel advice

You should not travel to countries on the government red list. At the time of writing, there are only 7 remaining countries on this list. They are:

  • Colombia  
  • Dominican Republic  
  • Ecuador  
  • Haiti  
  • Panama  
  • Peru  
  • Venezuela

But be aware that even if a country is not on the UK red list, they may not be accepting travellers from the UK. So the key advice is always to check carefully before you book.


  • Ask the family

In parallel with these considerations, you need to decide what kind of holiday everybody wants. For example a lazy beach holiday, sightseeing, road trip, or activity holiday. Then do your research as to the kind of holiday that will suit you best.

As you come up with ideas, take time to explore different travel companies, visit travel agents, and also ask around for personal recommendations.


  • Check the weather

Remember to check typical weather in the destinations you are interested in. Weather patterns vary enormously between hemispheres and countries, and you don’t want to arrive at your destination only to realise it’s monsoon or hurricane season.


  • What time do you have?

Another key consideration is how long you want to be away for. Are you limited by school holiday dates, work restrictions, family commitments etc. You need to be clear on your flexibility to be able to get a good deal.


  • What is your budget

Last but by no means least is how much money you intend to spend on your holiday. At this stage we are just considering the price of the holiday itself: we will look in a future article about how to stick to a budget once you actually are on holiday. But you need to have a realistic holiday cost in mind before you start looking, otherwise you could easily drift into spending far too much money.


When is the best time to book your holiday

With the backlog of postponed and cancelled holidays from Covid, summer holidays 2022 are likely to be very much in demand. So it makes sense to book one now. 

Booking a holiday well in advance also gives you plenty of time to save the money to pay for it.

Some people are understandably concerned about doing this in case the holiday is then cancelled due to Covid. But if you book either a package holiday or flights, and your travel company then has to cancel it due to Covid-19 or other serious problems, you will be entitled to a full refund.

If you have booked a holiday rental property that then has to be cancelled, you should either get a refund or credit voucher for another holiday.

All the above cases apply to when your holiday is cancelled by the travel or holiday company or airline. So it is also important that you take out a good travel insurance policy as well, that will cover you for a range of different scenarios. 

Let’s take a look.


What kind of travel insurance do you need?

It is important to arrange travel insurance at the same time you book your holiday. This ensures that you are covered for everything right from the start.

A good travel insurance policy should cover you for:

  • Cancellation

Always look for a policy that will cover you for cancelling the holiday for any reason, including illness, bereavement, other family circumstances or job loss. But in light of the Covid-19 pandemic it is particularly important to have a policy that includes specific cover for Covid-19 risks. 

Recent research by the Evening Standard found five of the best policies in this regard are:

  • Coverwise – Select Platinum policy
  • Southdowns – Select Platinum policy
  • Cover for You – Premier policy
  • Coverwise – Select Gold policy
  • Insurefor – Premier policy


  • Medical expenses

There needs to be enough cover for any emergency medical treatment whilst abroad. The recommended amounts are £2 million for Europe and £5 million worldwide. Also check that any additional expenses, for example either repatriation to the UK or additional accommodation costs abroad, would be covered. 


  • Travel disruption

You need cover for the cost of any travel delays or cancellations. Also check that you would be covered if you needed to quarantine whilst abroad. 

When buying travel insurance also check if there is an excess clause. If so, you would have to meet this part of the cost of your claim. Sometimes the company may ask for this amount up front, and if you are unable to pay it could affect your insurance policy or even result in them not paying.


What about vaccinations?

When planning a holiday, there are now two categories of vaccinations you need to consider. Those specific to the country you are travelling to, and Covid vaccinations.


  • Country specific vaccinations

Depending on where you are planning to visit, you may require some travel vaccinations before you go. Sometimes there is also a specified period before travel in which you must have the vaccinations.

You can check the latest requirements on the NHS Fit for Travel website.


  • Covid vaccinations

It is also important to check the situation regarding Covid vaccines in the country you are travelling to. 

You are likely to need evidence of vaccination and / or a negative Covid test before arriving in a country or returning to the UK. You may also need to complete a passenger locator form 48 hours before your return to the UK.

Requirements may well change by the time you go on your holiday so make sure that you are aware of the latest position nearer the time. Up to date details can be found on the Gov UK foreign travel page.


When do I have to pay for my summer holiday?

If you book a package holiday either through a travel agent or with a holiday company, and the holiday is over 12 weeks away, you will need to pay a deposit for each person travelling. You will then pay the remaining balance for your holiday 12 weeks before you go. 

If your holiday departure date is within 12 weeks, you will usually be asked to pay the full cost of the holiday cost at the time of booking.

The amount of a holiday deposit will vary depending on the type of holiday and its overall cost, but you can expect to pay around £200-250 per person. Some holiday companies will arrange for you to pay part of this at the time of booking, then the remaining deposit a few weeks later.

This means that in most cases, if you book a holiday now for next summer, you will only have to pay the deposit, or even just part of the deposit. This gives you plenty of time to save the rest of the money to pay your holiday balance 12 weeks before you go.

One final word about payment is that when you book your holiday, it is a good idea to pay by credit card. You may have to pay a small surcharge for this, but it means that your payment will be covered by Section 75 of the Consumer Credit Act. This gives you financial protection on your purchase, which could be invaluable if anything went wrong with your holiday booking.


We hope that the above information helps you to make the right decision for you and your family about when to book your summer holiday for 2022.

If you decide to go ahead and book a holiday now, and need some extra funds to pay for your deposit and insurance, do get in touch with Advantage Loans to discuss a personal loan.

Check back here soon for more lifestyle and financial tips from Advantage Loans.