Before you travel abroad, it is absolutely essential to ensure that everything you need has been packed. However, something that can too often be overlooked is that it is also essential to have one way travel insurance in place prior to travel, as not only does it provide additional peace of mind, but it can potentially save you an incredible amount of money should you find yourself injured. Research has found that an injury abroad can cost as much as £230,000 (1.16 million AED), so the financial impact can be severe.
In order to ensure your travel insurance is as robust as possible and is as comprehensive as you require, it is vital you ask the following three questions:
1. Are previous/current medical conditions covered?
For many people, this is the most important question to ask. Most travel insurance companies will offer very cheap deals, but often such offers will come at the expense of covering pre-existing conditions. Such medical conditions can be small or major, but it makes sense you ensure you are fully covered, even if you feel as though it is unlikely your injury will be exacerbated.
2. Am I covered if I participate in extreme sports?
Some travel insurers are very open about the fact that they will not cover individuals should they actively participate in activities with a high risk factor, so if you plan on going skydiving, make sure you ask this question first to see where you stand.
3. Does my travel insurance give me access to a physician on the phone?
This is a question that is absolutely worth asking, even if it’s not something you’ve previously considered. In some instances, it will be the case that you will not actually require a trip to a hospital if you feel a twinge or a little under the weather. In these cases, it may actually be more beneficial to have a conversation with a doctor or physician. It may well be the case that access to a hotline of some kind is included with your insurance policy, but it is certainly worth asking the question ahead of time.
Have other questions or queries about your policy bazaar travel insurance? Get in touch today and we’ll do our best to provide the answers you need.