Travel Insurance FAQs
Travel & Leisure → Travel Tips
- Author Patrick Chong
- Published December 29, 2007
- Word count 887
There are a lot of misconceptions related to travel insurance, and understandably most people aren’t as well versed in the fine details of travel insurance as I am – I can’t say that I blame them! However, many misconceptions put people at risk of spending unnecessary amounts of money on areas that could and should be covered by their travel insurance policy.
So, I’ve compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about travel insurance.
Q: What should I do before going abroad?
A: Make sure you have adequate travel insurance and that you have checked the FCO Travel Advice for the countries you are visiting. Check you have sufficient money and that your passport is up-to-date. Take a photocopy of your passport details and keep in a safe place. Check what inoculations and visas are required. Note down the numbers and addresses of the UK embassy and consulate in the country you’re travelling to.
Q: Should I take out travel insurance before my holiday?
A: I may be a little biased on this one, but yes! It is extremely important that you take out adequate travel insurance even for short trips or visits to Europe, and absolutely imperative in countries outside the EU where different conditions make illness more likely and affordable medical cover that bit more difficult to get hold of. It also covers for cancellation as soon as you book your trip.
If you travel to a country, or part of a country, against FCO advice, it is unlikely that your insurer would meet any claim, however. Should the FCO advice change after you have booked a holiday, check the position with your tour operator and travel insurance company.
Q: Should I be looking at single trip or annual multi trip travel insurance?
A: Only you can answer that really – although single trip insurance is (generally) cheaper, it does exactly what it says and covers you for just the one trip. By contrast, annual multi trip travel insurance will cover you for the whole year on various breaks, making it the choice if you think you’re likely to travel that much. You may find that just taking two trips a year would make annual multi trip travel insurance cheaper than the single trip variety!
Q: What sort of reason for cancellation is valid to ensure cover from travel insurance?
A: As long as your reason is within the scope of cover provided by your insurance, then you should be entitled to claim in most cases. Legitimate reasons for cancelling your trip could include an illness or death in the family (as defined by your policy), freak weather conditions suspending travel for 24 hours, burglary or damage to your home, being a victim of criminal assault resulting in you being medically unable to travel, being called up for emergency military service or jury duty (subject to the specific terms and conditions of the policy). Likewise, if the hotel or resort (for independant travellers) you’re due to visit suffers from a terrorist attack in the days leading up to your travel, you will generally be able to claim.
Q: Who pays if I need to be hospitalised overseas or flown back to the UK?
A: If you have proper travel insurance, the insurance company should pay such fees. If not, the cost will fall to you or your relatives and friends.
Q: Is a European Health Insurance Card (EHIC) the same as health insurance?
A: No. The free European Health Insurance Card (EHIC) shows that the holder is entitled to reduced or free emergency care only within the EU. You will still need travel insurance to ensure you will be covered fully in the event of illness or injury. The EHIC card will help though, by reducing your initial outlay before you can be reimbursed by your travel insurance company.
Q: Is my pre existing medical condition a big issue?
A: Generally, yes. Check the wording of your policy to ensure it covers pre-existing medical conditions. Often they’re not covered unless you pay an extra premium, and if you fail to declare your condition when you buy the travel insurance, you’ll be unable to claim on it. As always the key advice here is to check the policy wording with a fine tooth comb.
Q: How can I find out whether it is safe to travel to a particular country?
A: It is strongly advised that you check the FCO Travel Advice section of their website (fto.gov.uk). This information is regularly updated and should give you solid advice on where is and is not safe to travel (remember, areas officially outlined as ‘unsafe’ will seldom be covered by travel insurance policies).
Q: Is it safe to travel after a terrorist attack overseas?
A: Unfortunately, there is no such thing as risk-free travel, and the absence of advice against travel to a particular country or area does not imply that the FCO guarantees safety in that country or area.
I hope this travel insurance FAQ has proved useful – it’s only really scratching the service and each policy is different, but with this advice you should be in a better position to shop around, next time you need to purchase travel insurance.
Patrick Chong is the Managing Director of Journey’s Travel. Their commercial travel insurance website, Insuremore, offers cheap annual multi trip travel insurance packages for families, singles, children and skiers with free cover against acts of terrorism and a quick and easy online claims feature.
Article source: https://articlebiz.comRate article
Article comments
There are no posted comments.
Related articles
- United Airlines Flight Credit
- Explore the Best Cape Town City Private Tours
- Your Guide to Cape Town Airport Transfers
- Maximizing Your Travel Experience with Travel-Bookmarks.com: A Free Travel Social Bookmarking Site
- What can tourists do in the Caribbean?
- Abu Dhabi's Ambitious Tourism Strategy for 2030: A Blueprint for Growth
- How to Save Money on Vatican City Tour Tickets?
- eSIM and Navigation in France: The Perfect Duo for African Tourists
- The 10 Best Honeymoon Destinations in the World
- Cape Town Travel Safety Checklist Essential Tips for a Secure and Enjoyable Trip
- Paris Olympics travel guide 2024
- Discover the Pinnacle of Luxury: The Most Exclusive Hotel Rooms and Villas in the Maldives
- Manaslu Circuit Trek - ULTIMATE GUIDE 2024-2025
- Stay Connected Seamlessly: eSIM Data Travel Plans for Couples on a Mediterranean Cruise
- 5 Essential Tips for Campervanning in New Zealand
- Make the Most of Your Trip with Columbia River Fishing Guides
- How to Sponsor a Maid Visa in Dubai: Step-By-Step Guide
- The Dos and Don'ts of Booking a Limo Service for Prom Night in Chicago Suburbs
- Best Parks in Paris
- Celebrities Flock to the Maldives for Unmatched Holiday Escapes
- The Ultimate Guide to Spotting Penguins in Cape Town
- Exploring Denver on a Dime: A Frugal Travel Guide
- Fly Cheap With FlightPapa To Any City
- Campervan Maintenance: All You Need to Know
- Luxury Travel in New Zealand: Your Comprehensive Guide to Indulgence
- 5 Steps for Buying a Campervan in New Zealand
- Mandarin Oriental Hotels Announces Opening of Mandarin Oriental Bolidhuffaru in the Maldives 2025
- Top Reasons to Book a Luxury Adults-Only Resort in the Maldives
- New Zealand Luxury Stays — A Complete Guide
- New luxury hotel opening 2024 in the Maldives – Soneva Secret