| There are a lot of misconceptions related
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| | defined by your policy), freak weather
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| to travel insurance, and understandably
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| | conditions suspending travel for 24
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| most people aren't as well versed in the
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| | hours, burglary or damage to your home,
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| fine details of travel insurance as I am
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| | being a victim of criminal assault
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| - I can't say that I blame them! However,
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| | resulting in you being medically unable
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| many misconceptions put people at risk of
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| | to travel, being called up for emergency
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| spending unnecessary amounts of money on
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| | military service or jury duty (subject to
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| areas that could and should be covered by
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| | the specific terms and conditions of the
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| their travel insurance policy.
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| | policy). Likewise, if the hotel or resort
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| So, I've compiled this mini travel
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| | (for independent travelers) you're due to
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| insurance FAQ to assist those who have
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| | visit suffers from a terrorist attack in
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| doubts, worries or questions about travel
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| | the days leading up to your travel, you
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| insurance.
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| | will generally be able to claim.
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| Q: What should I do before going abroad?
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| | Q: Who pays if I need to be hospitalized
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| A: Make sure you have adequate travel
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| | overseas or flown back to the UK?
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| insurance and that you have checked the
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| | A: If you have proper travel insurance,
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| FCO Travel Advice for the countries you
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| | the insurance company should pay such
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| are visiting. Check you have sufficient
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| | fees. If not, the cost will fall to you
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| money and that your passport is
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| | or your relatives and friends.
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| up-to-date. Take a photocopy of your
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| | Q: Is a European Health Insurance Card
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| passport details and keep in a safe
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| | (EHIC) the same as health insurance?
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| place. Check what inoculations and visas
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| | A: No. The free European Health Insurance
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| are required. Note down the numbers and
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| | Card (EHIC) shows that the holder is
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| addresses of the UK embassy and consulate
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| | entitled to reduced or free emergency
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| in the country you're traveling to.
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| | care only within the EU. You will still
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| Q: Should I take out travel insurance
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| | need travel insurance to ensure you will
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| before my holiday?
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| | be covered fully in the event of illness
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| A: I may be a little biased on this one,
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| | or injury. The EHIC card will help
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| but yes! It is extremely important that
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| | though, by reducing your initial outlay
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| you take out adequate travel insurance
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| | before you can be reimbursed by your
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| even for short trips or visits to Europe,
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| | travel insurance company.
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| and absolutely imperative in countries
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| | Q: Is my pre existing medical condition a
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| outside the EU where different conditions
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| | big issue?
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| make illness more likely and affordable
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| | A: Generally, yes. Check the wording of
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| medical cover that bit more difficult to
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| | your policy to ensure it covers
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| get hold of. It also covers for
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| | pre-existing medical conditions. Often
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| cancellation as soon as you book your
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| | they're not covered unless you pay an
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| trip.
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| | extra premium, and if you fail to declare
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| If you travel to a country, or part of a
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| | your condition when you buy the travel
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| country, against FCO advice, it is
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| | insurance, you'll be unable to claim on
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| unlikely that your insurer would meet any
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| | it. As always the key advice here is to
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| claim, however. Should the FCO advice
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| | check the policy wording with a fine
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| change after you have booked a holiday,
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| | tooth comb.
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| check the position with your tour
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| | Q: How can I find out whether it is safe
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| operator and travel insurance company.
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| | to travel to a particular country?
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| Q: Should I be looking at single trip or
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| | A: It is strongly advised that you check
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| annual multi trip travel insurance?
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| | the FCO Travel Advice section of their
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| A: Only you can answer that really -
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| | website (fto.gov.uk). This information is
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| although single trip insurance is
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| | regularly updated and should give you
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| (generally) cheaper, it does exactly what
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| | solid advice on where is and is not safe
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| it says and covers you for just the one
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| | to travel (remember, areas officially
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| trip. By contrast, annual multi trip
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| | outlined as 'unsafe' will seldom be
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| travel insurance will cover you for the
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| | covered by travel insurance policies).
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| whole year on various breaks, making it
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| | Q: Is it safe to travel after a terrorist
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| the choice if you think you're likely to
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| | attack overseas?
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| travel that much. You may find that just
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| | A: Unfortunately, there is no such thing
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| taking two trips a year would make annual
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| | as risk-free travel, and the absence of
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| multi trip travel insurance cheaper than
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| | advice against travel to a particular
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| the single trip variety!
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| | country or area does not imply that the
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| Q: What sort of reason for cancellation
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| | FCO guarantees safety in that country or
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| is valid to ensure cover from travel
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| | area.
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| insurance?
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| | I hope this travel insurance FAQ has
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| A: As long as your reason is within the
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| | proved useful - it's only really
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| scope of cover provided by your
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| | scratching the service and each policy is
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| insurance, then you should be entitled to
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| | different, but with this advice you
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| claim in most cases. Legitimate reasons
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| | should be in a better position to shop
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| for canceling your trip could include an
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| | around, next time you need to purchase
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| illness or death in the family (as
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| | travel insurance.
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