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Health Insurance

3 commonly asked questions about health insurance answered

Is it your first time purchasing an individual health insurance policy? If so, you probably have many questions and concerns regarding health insurance and how it works. Below, we’ve answered three commonly asked questions about health insurance to keep you informed.

1. Does health insurance cover pre-existing conditions?

Most insurers don’t cover pre-existing conditions because the risks are higher. For instance, if you have diabetes and get into an accident, your wounds may take longer to heal, requiring more treatment and more doctor visits. This means more money paid out by your health insurance provider, so many plans steer clear of pre-existing conditions.

However, some policies do cover pre-existing medical conditions but at an added cost. Talk to an insurance expert, as they can advise you on the best solution based on your circumstances.

2. What is not covered by health insurance?

The most common exclusions found in health insurance plans include:

• Pre-existing conditions
• Chronic conditions
• Trial or experimental treatments and drugs
• Prescribed drugs
• Fertility treatments
• Sex change and organ transplants
• Cosmetic surgery and treatments
• Drug or substance abuse

It’s essential to note that policies differ from provider to provider, and what may be covered by one insurer may not be covered by another. Therefore, always contact multiple providers at a time and get quotes to compare and contrast what’s covered in each policy.

This way, you can find a comprehensive cover that meets your health needs.

3. Can I use my health insurance policy when travelling abroad?

Your health insurance plan only covers you while you are in the country. For example, if you purchased your cover in the UAE, you won’t get reimbursed if you fall ill when abroad. To ensure you’re covered during your trip, you need other types of insurance, like travel insurance.

The right travel insurance plan will cover medical expenses and emergency repatriations in the countries specified in your policy.

Ready to shop?

Now that you know more about health insurance, it’s time to shop. Use our resources here at Compare Insurance to compare health insurance quotes from various providers. You’ll get access to numerous plans, ensuring you find a policy that suits you.

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Car Insurance

Do I need rental car insurance?

The most common question about renting a car for domestic or international travel is, “Do I need to purchase rental insurance cover?” Generally, insurance of any type, including travel, health and vehicle, is vital. It protects you financially from unforeseen circumstances and gives you peace of mind.

However, when it comes to rental car insurance, it depends. While you want to ensure you and your rental car are covered, you don’t want to pay for additional duplicate insurance policies that double your price. To help you get started, here’s a guide to buying rental car insurance.

Domestic travel

If you’re renting a vehicle for domestic travel, contact your provider first if you already have a personal car insurance policy to see what type of rental coverage you have. Most insurers may provide liability and comprehensive coverage for a rental vehicle as long as you drive it for personal use.

If you don’t have a personal vehicle insurance policy, it’s time to start shopping around for a comprehensive policy. Always compare quotes from various insurers before selecting one that suits your budget and needs.

Similarly, you should check with your credit card company as some provide rental car coverage when you use the card to pay for your rental. Credit card coverage comes in handy when there are gaps in your personal auto insurance policy, ensuring you get secondary cover.

International travel

If you’re travelling overseas and will need a vehicle to tour the city and move around, it’s wise to protect yourself against any damages, repairs or accidents.

In most cases, your personal auto policy won’t cover international car rentals, so you’ll have to purchase a policy alongside your travel insurance cover. This also includes taking a road trip with a rental car.

There are two ways to get rental car insurance for international travel. For one, you can include it as an extra in your travel insurance policy or purchase it separately as another policy. Either way, ensure it provides adequate cover.

All in all, never drive a rental car without rental car insurance. Feel free to use our tools to find the right rental car insurance cover for you.

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Travel Insurance

What does travel insurance actually cover?

Travel insurance over 70 products vary from provider to provider. Therefore, the losses they cover are not always the same.

In this post, we take a look at what your policy might cover, and what it might not.

Cancellations

Travel insurance usually covers cancellations. Cancellations occur when you need to cancel some aspect of your trip, usually because of circumstances outside of your control.

Cancellations cover cancelled tour packages, aeroplane tickets, cruise fares, and hotel rooms. Mostly, they only apply if you cancel for qualifying reasons. For instance, they might cover cancellation costs if you lose your job, get sick, or can’t travel because of adverse weather.

Some travel insurance policies will cover you for any reason, though they tend to be more expensive.

Medical emergencies overseas

Travel insurance also usually covers the cost of medical care overseas. If you don’t have this cover, you may have to pay out-of-pocket. And, depending on where you go and the medical attention you require, that could be expensive.

Lost baggage

Travel insurance often covers lost, stolen, or damaged baggage as well as compensates for any delay in receiving your items.

Emergency evacuations

You may experience a health emergency while abroad. If so, evacuation coverage helps. This cover pays for emergency travel arrangements related to your medical care.

You can activate the emergency evacuation clause on your policy if your health deteriorates beyond a certain point, usually defined by local medical personnel. Coverage may include ambulance trips to the hospital, airlifts to better-equipped facilities, and flights back home.

Please note that evacuations can be exceptionally expensive – often reaching $50,000 or more.

Phone assistance

Travel arrangements and plans can go wrong while you are abroad. Because of this, many travel insurers offer 24/7 assistance, anywhere in the world. These services can help you if you need to get medical transportation, find your baggage, or locate a lost passport.

Additional coverage

Lastly, some groups of travellers require additional coverage to protect them against losses. For instance, if you are travelling to a dangerous part of the world, you may require life insurance. You may also benefit from hazardous sports cover which covers any medical costs you incur as a result of scuba diving or sailing accidents.

Find an insurance policy to suit your needs at Compare Insurance today.

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Travel Insurance

Travel insurance for a cruise holiday

If you’re thinking about going on a cruise this holiday season, you might want to consider purchasing cruise travel insurance. Why? While cruises are a great way to see and explore the world, they open you up to numerous vulnerabilities that can leave you injured, hurt, sick or even dead. Having annual worldwide travel insurance to fall back on when this happens gives you peace of mind at sea.

What is cruise travel insurance?

Cruise travel insurance is a type of cover that protects you from the things that might happen while you’re on a cruise, e.g., missed port stops. Simply put, it covers the specific risks and activities associated with a cruise trip, ensuring you don’t have to pay for expenses out-of-pocket.

Cruise travel insurance is typically classified as a specialist type of insurance as it covers you from situations that a standard policy won’t cover. As a result, it tends to be pricier than a regular cover. However, this doesn’t mean you can’t find an affordable policy.

What does cruise travel insurance cover?

The features of each cruise insurance policy vary by insurer, but a reliable policy should cover the following:

• Medical emergency expenses and medical repatriation
• Curtailment – cutting short your trip, e.g., from two months to one month
• Personal belongings
• Missed departure
• Cabin confinement – if the ship’s medical officer confines you to your cabin for health reasons
• Unused excursion – if you can’t use a pre-planned excursion

It’s vital to note that different providers have different guidelines for their policies. For instance, while some insurers might cover you for curtailment regardless of the reason for shortening your trip, others may only cover you if your trip is shortened due to medical reasons and family emergencies.

So, be sure to read in between the fine print to understand what situations warrant reimbursement and those that don’t.

How do I get affordable cruise travel insurance?

The best way to get affordable insurance is to compare policies from different providers. Luckily for you, at Compare Insurance, we have tools and resources that you can use to compare quotes from multiple insurers at a time.

Use our comparison tool today to get competitive pricing on cruise travel insurance.

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Travel Insurance

Factors that affect the type of travel insurance you’ll get

Are you thinking about purchasing corporate travel insurance? If so, it’s wise to choose a policy that best covers your particular circumstances to ensure you’re adequately protected. Failure to do so can result in you paying for expenses out of pocket. To help you get the right cover, here are four factors that affect the type of travel insurance you’ll get.

1. Who are you travelling with?

There are travel insurance policies for individuals, family, friends and groups. For instance, if you’re travelling alone, consider taking solo travel insurance. Alternatively, if you’re travelling with children, you’re better off buying a family policy.

Therefore, think about who you’re travelling with and buy the cover that protects both you and your travelling buddies.

2. How often do you go away?

When speaking to your potential insurer, they’ll ask you whether you’d like to purchase a single-trip or annual policy. The former covers you for one trip every year (365) days, while the latter covers multiple trips in a year.

If you only go on vacation once a year, it’s cheaper to buy a single-trip cover, but if you travel numerous times in a year, consider annual cover.

3. Where are you travelling to?

Generally, you’ll be able to choose between:

• Worldwide travel insurance – some worldwide policies exclude the USA, Canada and the Caribbean because of the higher medical costs, so look out for that.
• European travel insurance

It’s vital to remember that if you travel to a destination against the advice of FCDO, your policy is likely to be void.

4. Why you’re travelling

The purpose of your travel significantly affects the type of insurance coverage you get. For example, if you’re travelling for business, you need business travel insurance, as a standard policy won’t cover certain circumstances unique to your trip. If you’re travelling for leisure, then a standard policy is sufficient enough to cover any emergencies.

Compare different types of travel insurance

You can use Compare Insurance to compare travel insurance from different providers, including policies, what’s covered and what’s not and the costs of each policy. We make comparisons easy by listing insurers side by side.

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Travel Insurance

4 common backpacker travel insurance questions answered

If you’re thinking about purchasing backpacker travel insurance, you probably have numerous questions and concerns about what it covers and whether it’s worth consideration. To keep you informed, we’ve answered four commonly asked questions about backpacker travel insurance below.

1. What is backpacker insurance?

This type of cover is specially designed for individuals who plan to travel for longer periods, often to multiple destinations/countries in one trip. Unlike a standard travel insurance policy, backpacker insurance offers additional features and benefits, guaranteeing your backpacking itinerary is fully covered.

2. Why should I get a backpacker insurance policy?

If you’re planning to go away for several months at a time, you should consider purchasing backpacker travel insurance. Since it’s known as extended trip insurance, it’s sure to cover you on longer trips abroad.

A comprehensive backpacker insurance policy gives you peace of mind knowing that you’re covered if something happens to you, your possessions or plans.

3. What’s covered with backpacker travel insurance?

Backpacker travel insurance covers you against numerous travelling risks, emergencies and accidents, including:

• Lost or stolen baggage
• Trip cancellation
• Damage to personal items
• Medical costs
• Personal liability

Some policies can also include cover for winter sports and extreme sports, but it’s wise to get a separate policy for these two. All in all, always check your policy and read in between the fine print to see what’s covered and what’s not.

4. Can I get backpacker travel insurance with an existing condition?

Having a medical condition doesn’t mean you won’t find cover. It only means your premiums will be pricier as you have to buy add-ons.

So, if you have a pre-existing condition, tell your insurer about it so that they can advise you accordingly. If you lie about it, your policy will be deemed void when you get a medical emergency abroad that’s linked to your medical situation.

Comparing backpacker travel insurance quotes

Use our tools and resources here at Compare Insurance to compare single trip features, prices and policies from various providers. You can then choose a policy that works for you based on your budget, travel itinerary and what you’re doing.

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Travel Insurance

Travel insurance tips for solo travellers

Travelling alone is a great way to discover new opportunities and get time to yourself away from friends, family and other obligations. Unfortunately, solo travel presents a set of unique challenges that warrant a comprehensive solo axa schengen insurance to ensure your safety and security.

But, what exactly is solo travel insurance?

Picture this: You’re hiking on a mountain far away from home, and you lose gear or get injured. Without solo travel insurance, you’re responsible for this and anything else that goes wrong, which puts a dent in your pocket.

On the other hand, with the right policy, you can claim your expenses back, giving you peace of mind knowing you’re covered throughout your trip.

Tips for buying the right policy

Solo travel insurance can cover a wide variety of situations, from baggage loss to trip cancellation. However, not all policies cover the same emergencies or to the same degree, so you need to do your due diligence to ensure you get cover that meets your solo travelling needs.

To help you make the right decision, here are four tips for buying solo travel insurance.

1. Consider your activities

Will you go snorkelling, snowboarding, swimming or will you stay in your hotel basking by the poolside? Insurers may not cover certain activities because they’re high risk, and even if they do, you’ll have to pay more.

So, know what you’re going to do during your trip and be sure to ask your potential provider whether it’s covered in your policy.

2. Compare quotes

Never buy the first solo travel insurance policy that comes your way. You may not get the right cover for your needs, and you may be paying more than you have to. Instead, compare quotes from various providers and look at what’s covered and what’s not to make sure you get the best value for your money.

3. Why are you travelling?

Lastly, consider why you’re travelling. Is it for business, leisure, adventure or are you going on a backpacking experience? All these require different policies so that you’re covered throughout your trip.

Feel free to use our comparison tool to purchase solo travel insurance for children that suits your needs.

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Travel Insurance

Everything you need to know about specialist travel insurance

It’s no secret that having travel insurance is vital when travelling abroad as it provides you with a financial safety net against a myriad of risks. Unfortunately, at times, the standard travel insurance policy isn’t enough to protect you from accidents and emergencies. Here’s where specialist travel insurance comes in.

What is specialist travel insurance?

A specialist travel policy covers you from situations that a standard travel insurance policy doesn’t cover. It’s usually provided by dedicated insurers who offer tailored insurance solutions to meet the unique needs of a traveller.

Although specialist travel insurance can be expensive, it’s a worthwhile investment for people whose travel needs are unconventional, e.g., you have to travel against FCDO advice for business purposes.

When should I get specialist travel insurance?

Choosing between a standard travel insurance policy and a specialist cover can be difficult as you never really know the risks you’ll face on a trip. To give you an idea of when you might need it, we’ve compiled three situations below that warrant a specialist insurance policy.

1. You have pre-existing medical conditions

Insurers rarely cover pre-existing medical conditions as it places you at a higher risk of injury, illness and even death. But, with a specialist insurance policy, you’ll be covered for medical emergencies, even those related to COVID, giving you peace of mind if you’re travelling with a medical condition.

Just be sure to check what medical conditions your provider covers because there may be exclusions on certain diseases.

2. Extreme winter sports

If you plan to go heli-skiing, glacier climbing or perform any other dangerous winter sports that are deemed extreme and not standard, you’ll need specialist insurance. Due to the high-risk nature of these sports, your standard policy may not cover them, forcing you to pay for expenses out of pocket.

3. Travelling against FCDO advice

If you plan to travel to a country that’s red-listed (not government-approved), you need to buy specialist insurance to cover you against various risks, including theft, vandalism, medical emergencies and lost baggage.

Ready to find your ideal cover?

Use our tools and resources today to find the perfect specialist annual holiday insurance for your trip.

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Categories
Travel Insurance

4 travel insurance mistakes that could cost you a lot of money

If you’re planning a trip abroad, travel insurance is essential. Unfortunately, there are several pitfalls you’ll need to avoid falling into if you want to avoid problems later on.

Here are some of the key mistakes to avoid:

Not checking the small print.

Like any form of insurance, the small print matters. Many people pick out their travel insurance based on the big claims in the advertising campaigns… or worse, they go purely by price and just assume they are covered for everything!

Make sure you take the time and effort to check what is (or isn’t) covered by your plan. And, of course, if you have a pre-existing condition that you need cover for, make sure that it’s specified within the cover.

Make sure you’re covered in the event of Covid-19

In 2021, this is unavoidable. Will you be covered if a new Covid-19 breakout were to affect your holiday? Most people know to check this in terms of the holiday itself, but you need to do the same checks for your insurance.

Even nearly two years after the start of the pandemic, policies still vary as to what they’ll cover in the event of a Covid-19 problem. Some will just cover testing, but not treatment, while others cover neither. Some cover both.

It’s also worth remembering that some policies will change their Covid-19 cover depending on where you’re travelling to, so take this into account.

Get the date from before you travel

A lot of people understandably date their insurance from the day they arrive at their destination. This makes sense. Unfortunately, it can leave you liable if anything happens on the journey itself.

The last thing you want is to catch sickness of some kind, or injure yourself while on the way to your destination, and find you still have to pay up because your insurance doesn’t kick in until you arrive!

Be thorough with your documentation

There are two common reasons people are unable to claim on their travel insurance:

• They do not fill in their initial applications accurately
• They do not keep a record of all documents provided

If you are not completely honest and accurate when you initially apply for cover, it’s unlikely your claim will be paid. Be meticulous.

Once you have your cover, be sure to make copies of every document your chosen provider gives you and take them on your trip. Then, if you do have a medical issue and are treated, keep a full record of every document given to you by the healthcare provider.

Different insurers will ask to see different documents from your trip for verification, so keep everything. Even documents you wouldn’t expect to be important, such as your travel itinerary, could be requested. Don’t throw anything away!

For more insurance tips and advice, contact our single trip medical travel insurance experts today.

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Categories
Travel Insurance

Common winter sports insurance exclusions

If you’re planning on travelling this winter, it’s advisable to purchase a winter sports travel insurance policy to protect you from a range of financial risks and liabilities. However, simply because you’re purchasing travel insurance for winter sports doesn’t mean you’ll be covered when partaking in all kinds of snow-related activities. There are some exclusions to look out for, including:

1. Extreme winter sports

Generally, all winter sports are classified as dangerous and risky. That’s why your basic travel insurance policy doesn’t cover them, and you have to buy additional cover – winter sports insurance.

However, insurers regard some winter sports as extremely dangerous as the likelihood of getting injured or damaging equipment is high. This includes snowmobiling and tobogganing. It’s vital to ask your travel insurance provider what winter sports they cover and whether you can add any extra sports.

2. Staying off-piste

Insurers are in the business of making money, so they’ll do everything in their power to ensure they don’t pay your claims, including only covering you when you’re on-piste. Therefore, if you get injured or damage property while off-piste, you won’t be covered.

Another rule your travel insurance provider might stipulate is having to wear protective gear such as a helmet to be covered.

3. Travelling against the advice of the FCDO

If you travel to a destination that the FCDO advises against travel to, your winter sports policy will likely be null and void. Fortunately, you can bypass this by purchasing specialist travel insurance.

However, it’s wise to follow guidelines as there may be a forecast winter storm or blizzard that puts your health and safety at risk.

4. Unattended equipment

It’s no secret that equipment for winter sports can be expensive to purchase and maintain. From ski boots and windproof jackets to snowboards and skis, these items cost an arm and a leg. While your provider may cover equipment loss, damage and theft, they may exclude unattended stolen or lost equipment.

Not all policies offer the same level of cover, and the only way to know the exclusions in your policies is by reading in between the fine print. You can use our tools to compare exclusions and read the terms and policies from different providers.

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