 |
Travel Insurance - Frequently Asked Questions
Why annual travel insurance?
|
At first you may ask yourself why we choose annual travel insurance. Annual Travel Insurance covers all trips and holidays taken within a one year period and so saves time and money. It can prove costly and time taking to organize insurance before each trip. It is very important to understand the terms and conditions of the policy you choose to ensure it covers your individual requirements.
Outlined below are important points you should consider before booking Travel Insurance;
Who is covered?
Travel Insurance companies offer cover for individuals, couples, families or in some cases extended families, according to your needs. Family policies generally have age restrictions for children and are often only covered when accompanied by an adult named on the policy. It is very important to check this before booking a policy.
What is covered?
You must understand exactly what is covered on the policy. For example 'Trip Cancelation' may be covered as standard and if so you must understand under what circumstances cover would become effective. Ensure there is adequate cover for medical expenses. You should then ensure covers that are important to you and your trip, are included. These may include missed flights, delayed flights, cover for personal belongings.
What activities are covered?
If you enjoy activities while on holidays or plan on taking a winter holiday to enjoy skiing or snowboarding you must ensure the policy covers such activities. Winter Sports cover may not be included to your policy as standard and may require an additional premium. Hazardous activities such as skydiving or scuba diving may also require an upgrade. Even for simple activities such as quad biking or bungee jumping may not be covered as standard. Don't presume cover and always confirm the cover with the insurance company direct.
Territorial Limits
The territorial limits on the Certificate of insurance must include the country you are travelling to. Always check this before departure. Some insurance providers don't provide cover for some specific countries, so just make your destination is covered without restrictions.
What level of medical expenses is covered?
One of the most important covers on a Travel Insurance policy is Medical Expenses. The cost of medical expenses varies in different parts of the world and can prove very expensive. In the event of an accident or illness abroad, it is important to have full cover for medical expenses. The insurance company will provide you with an emergency assistance number that can be contacted 24 hours a day.
If you have any pre-medical conditions you must disclose all information regarding the medical conditions or any medication you take to the insurance company when you book the policy.
Otherwise, the policy will exclude cover for anything related to such conditions or failure to disclose such information may invalidate the policy entirely.
Compare travel insurance
You can compare various insurance plans very easily directly online. There are many comparison websites that are easy to use and compare insurance plans that suit your requirements. With a small bit of research t is possible to find a comprehensive policy at an affordable price.
Exclusions
It is vital that you read and understand the terms and conditions on the policy you purchase making yourself aware of all exclusions on the policy.
Have you checked your Home Insurance policy?
Valuables and certain personal belongings are offer excluded from travel insurance policies but may be covered under the home insurance when at home and abroad. So check you e home insurance policy too and choose a policy accordingly because there is no need to ensure anything twice.
I hope that these points will help you to have a safe and memorable journey.