There is a lot of misconception about travel insurance and most people are not as good as I can – I can not say I blame them. However, because of many misunderstandings, people are jeopardized by spending unnecessary sums in areas that can and should be their policy.
So, I came up with this mini travel insurance FAQ to help those who have doubts, concerns or questions, what to look for.
Q: What should I do before I go abroad?
A. Verify that you have checked the FCO Travel Advice in the countries you've visited. Make sure you have enough money and your passport is up to date. Take a photocopy of passport details and keep it in a safe place. Check what kind of inoculation and visa you need. Describe the number and address of the UK Embassy and Consulate in the country you are traveling to.
Question: Should you be traveling before your stay?
A. You might be a bit biased, but yes. It is imperative that you travel to travel for a short period of time or travel to Europe, and that it is absolutely necessary in non-EU countries where the different conditions make the disease more affordable and affordable, which is more difficult. Book your stay after booking.
If you travel to a country or a country, you are illegally under the FCO Board. If you change the advice of the FCO after you leave the holiday, check your location with the tour operator and the travel insurer.
Q: Do I need a one-time trip or multiple annual travel insurance?
A. You can only really answer that – though one-off travel (usually) cheaper, exactly what you say and only goes for one trip. In contrast, the annual multiple travel insurance covers you for many years with a variety of breaks, so choosing a car if you think you are likely to travel so much. You may find that you can make annual travel insurance a year more than a one-time travel form with two trips each year!
Q: What is the reason for the deletion of the cover?
A. As long as the cause falls within the coverage provided by your policy, you should be entitled in most cases. Reasons for cancellation of travel may include family illnesses or deaths (as defined in the policy), foreign weather conditions, suspension of 24 hours of travel, burglary or household damage, victim of a crime that causes medical treatment unable to travel, urgent military service or jury in accordance with the specific terms and conditions of the policy). Likewise, if a hotel or resort (independent travelers) have to travel to a terrorist attack during their trip, they can usually claim it.
Q: Who pays to go abroad to hospital or to get back to the United Kingdom?
A. If you have the right cover, the travel insurer has to pay such fees. If not, then the costs are yours or your relatives and friends.
Q: Is the European Health Insurance Card (EHIC) the same as health insurance? 1. The European Health Insurance Card ( EHIC ) shows that the holder is entitled to receive reduced or free emergency care only within the EU. You still need travel insurance to ensure that you are fully covered in case of illness or injury. The EHIC card, however, helps you by reducing your original costs before reimbursing the insurer.
Q: Is my existing health status a big question?
A: Usually yes. Check the policy formulation to ensure that you cover existing health conditions. They often do not cover unless you pay extra, and if you do not publish your condition when you buy the cover, you can claim it. As always, the most important advice here is to check the policy words with a fine tooth comb.
Q: How do I know if it's safe to travel to a particular country?
A. We strongly advise you to check the FCO Travel Advice section of your website (fto.gov.uk). This information is regularly updated and provides sound advice on where and where to travel safely (remember that officially issued "unsafe" areas are covered by travel insurance).
Q: Is it safe to travel after an overseas terrorist attack?
A: Unfortunately, there is no risk-free travel, and lack of advice on traveling to a particular country or territory does not mean that FCO guarantees the security of that country or territory.
I hope this Travel Insurance FAQ proved to be useful – it just scratched the service and each directive is different, but with this advice you have to be in better position to buy, next time you need to buy travel insurance.