The right product when you are travelling overseas.
What is essential and what is not?
Travelling overseas is such a normal activity that buying travel insurance is equally routine. Incredibly, up to 20% of Britains still take the risk of travelling without travel insurance leaving themselves open to very large medical expenses/bills in the event of an unexpected illness or accident. Brexit ushered in the end of the European Health Insurance Card (EHIC) meaning that it is more important than ever to buy quality travel insurance that will protect you and those travelling with you.
Questor Insurance can provide good quality travel insurance at an affordable price with lots of options that will allow you to tailor your cover to meet your needs.
Travel Insurance is a packaged product that meets the needs of most travellers, however, if you are undertaking a golf trip, ski trip, cruise or business trip you will need to buy the appropriate extension to the policy. It is worth checking that any actvities that you intend to do whist on your trip are also covered under any travel insurance policy purchased.
Pre-Existing medical conditions
One area where buyers of travel insurance sometimes get caught out is pre-existing medical conditions. If you have a condition or you had a condition in recent years and you expect to be covered for that condition that condition must be declared to your insurance provider when you purchase the policy. Failure to do so may render your policy void and leave you with very high unpaid medical bills.
You should declare all pre-existing medical conditions for everyone travelling in your party. This includes new conditions that arise prior to you travelling.
- Check that the benefits are adequate for your intended trip. Some policies have a limit per person some have a limit for the whole policy
- Make sure that you have selected the right destination.
- The excess you select will affect the premium charged. Check whether the excess is a policy excess or an excess per person.
- Make sure your trip falls within the dates shown on your policy. This is important if you have an annual policy that renews whilst you are away.
- If you want to take advantage of the cancellation section buy your policy when you book your trip.
- Take a copy of the certificate with you and note down the emergency number number which you will need to contact to authorise medical treatment over a certain value.
- Keep receipts as you may need these to make a claim.
- Do not travel with expensive jewellery etc. unless covered under the all risks section of your household contents policy. Travel insurance policies are not generally appropriate for high value goods.
These definitions are general in nature and you should refer to the policy wording of the policy you are intending to purchase. These definitions are for the main areas of cover.
Covers unlimited trips in the policy year up to a maximum number of days.
Cover a single trip.
The amount you can claim for medical treatment. This is the essence of the cover you are purchasing.
Your personal possessions that you take with you on your trip.
Cost of your trip should you have to cancel before starting your trip.
When you have to return home early this section reimburses you for unused accomodation and pre-booked excusions and activities.
Covers any expenses you incur if you have to appoint a lawyer to recover compensation from another person who causes your injury, illness or death.
Covers cash or travellers cheques you lose or are stolen.
Covers you should you cause damage to anoter person property or your action injury or causes another persons death.