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Travel Insurance

Three surprising things your travel insurance may cover

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It’s extremely important to make sure that you have valid holiday safe insurance when going abroad, especially within the current Coronavirus pandemic. There are several things that seem certain to be contained within any travel insurance policy (for example, hospital treatment and hotel cancellations), but there are also many other things that may be included that holidaymakers are not aware of. Listed below are three surprising things your travel insurance may cover.

Death

Whilst most travel insurance companies cover injury to some degree, many policies also cover death. This will depend on the policy itself, so it is worth checking before trying to claim for this, but many travel insurance policies will cover the cost of cancelling a trip if a close friend or family member dies, even if they were not one of the people listed on the policy. Some travel insurance policies even cover the policyholder against death, with the repatriation of remains sometimes covered – your family may even receive a pay-out if you die on your trip, although this may not apply if you visit a country where travel is warned against due to potential danger.

Small medical costs

Surprisingly, a lot of people don’t realise that travel insurance usually covers the cost of small medical procedures, with many instead thinking it only stretches to major surgery. Whilst there may be an excess to pay (so the cost of smaller treatment may actually be cheaper than paying the excess), it’s worth checking out, in case you do encounter minor injury when on holiday.

Pets

When considering travel insurance, it’s usually assumed that it only covers humans. Whilst separate animal/pet insurance can be purchased that is specifically designed for your pet, some travel insurance companies have now started to cover pets under general travel insurance policies. Each policy will differ, but some things a general travel insurance policy may cover include emergency vets visits and treatment, cancellation of the trip in case your pet is too ill for you to travel, and early return costs in case you and your pet have to return home early. If you are taking a pet on holiday with you, it is important to make sure they are covered by your policy.

Shopping for holiday cancellation insurance can sometimes be overwhelming – contact us today to find the best travel insurance policy for your trip!

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Categories
Travel Insurance

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

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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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Health Insurance

Use a comparison tool to browse healthcare plans before you buy

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Health insurance coverage is an essential consideration, but you never know what’s around the next corner. Even if you’re currently healthy, we can all fall victim to ill-health without seeing it coming. Health cover can help you stay financially secure through those difficult times – but how do you find the health insurance plans for family?

With so many different health care plans available, use a comparison tool to find the right one for you.

Browse before investing

There is a multitude of health cover plans available, covering all manner of different ailments. You can find health insurance that covers a general list of common complaints, such as cancer and diabetes, etc. Or you can also find cover that deals with specific illnesses, possibly as a result of your genetic predisposition.

Comparing and contrasting health insurance plans can be difficult – with so many different conditions and exemptions, it can be hard to navigate and compare one deal to the next. If you try and find a plan by going to each provider individually, you run the risk of being swamped in information and making a bad choice.

Using the right comparison tool

This is where a comparison tool comes in useful. In just a few minutes you can put your details in and decide the nature of the cover you’re looking for. With that, you’ll get a number of quotes back almost instantly from a range of insurance providers, allowing you to easily compare and contrast coverage and prices.

The joy of it is that you get to choose the nature of the cover you want from the outset – you decide the things that you want your policy to cover. Then you get quotes back for THAT policy, and you can choose who offers you the best deal. There’s no need to browse every detail of each policy to make sure you’re getting the coverage you need.

Making the right choice

Health insurance is an invaluable investment, and if you want to make sure you spend your money the right way, use a service like Compare Insurance to find yourself the best possible deal.

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