Travel Insurance FA Qs

Travel Insurance FA Qs



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 traveling 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 canceling 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 independent travelers) 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 hospitalized 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.




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