Friday, 22 March 2013

Travel Insurance - Are You Properly Covered?

At some point during the year most of us hope to take one or more trips away, whether to far off countries or the UK and consider taking travel insurance. But, have you ever read the policy and do you actually know what you are covered for?

Many people ask "why should I bother with travel insurance for the UK or Europe?" Whilst you EHIC card (E111) will cover you for emergency treatment, what about repatriation, which can cost you or your family thousands. With delays and cancellations, depending on the reason the flight companies don't always pick up the tab!

How many of you wait until the week before travelling to take out your insurance, as it seems a bit pointless taking it before, doesn't it? You should always take your insurance when you book the trip. It won't cost anymore and you will be covered for cancellation from the date you take the cover. Also, if you have an accident and can't travel you will be covered. Especially important for long haul or expensive trips.

Are all of your journeys covered? Check your policy. Some cover all flights, some cover first flight but not subsequent flights. The companies we work with cover all flights.

You have some medical conditions to be considered, will they be covered? Check the policy. They all have different rules regarding pre-existing conditions. If your condition changes between taking the policy and travelling, make sure you advise the insurance company, otherwise you might not be covered. We can cover medical conditions for you.

Are sports and skiing covered? Depends on the policy. With many policies general sports are included, but check the list as some will be covered high risk and maybe excluded. Wintersports/skiing are usually an add on to the policy.

No matter where you are travelling, always give travel insurance a consideration. Make sure you don't end up being left in an unfortunate position and needing to find a lot of money quickly.

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