Travel Insurance: Why It’s Important to Read the Small Print

Travel insurance is a must if you’re travelling outside of the UK. In some countries, such as the USA, they won’t let you in unless you have adequate insurance cover. However, simply buying a travel insurance policy isn’t the answer; you need to buy the correct cover and the only way to be sure of doing so is to read the small print. Here are the things that you should be reading for:

1.Is there a limit to the length of the insurance? You need to make sure that cover extends to the fill duration of the holiday. These travel insurance companies can be quite tricky. You might think you’re buying a cheap policy, but what you're really buying is a short policy.

2.Do they exclude any pre-existing medical condition? If you have a medical condition, you need to ensure that it is included in the policy. You will probably have to buy medical condition travel insurance. This means talking to the insurer, rather than using a comparison website. The policies that you find on the comparison websites often exclude the medical condition. They allow you to have the insurance, but in the small print is a clause that says they won’t cover you for anything related to that condition. Make sure you buy medical condition travel insurance if you have a medical condition.

3.Are you insured for the country of travel? Some insurers won’t provide insurance for travel to certain destinations. This is usually to places where there is civil unrest, or where they threaten westerners. Make sure that you are covered for the destination to which you’re travelling.

4.Exclusion of certain activities. Some insurers won’t cover you for certain activities. For example, most will have exclusions concerning sky diving, some may exclude scuba diving accidents. Make sure that you are covered for the activities that you know you’re going to be doing.

Travel Insurance: Finding the Best Deals

Whether you want a simple policy, or you're looking for something more complex, such as travel insurance outside UK, it’s important that you find the best deal. For some of you, ‘the best deal’ means finding the best price. However, in our opinion, ‘the best deal’ is finding travel insurance that offers a high degree of cover whilst being reasonably priced. Here, we’re going to show you how to find these deals.

How Often Do You Travel?

The first thing that you should think about is how often you’re going to be travelling in the coming year. If you take more than two holidays a year, then it will often be more worthwhile to buy an annual policy. This will save you more money in the long term than buying a separate policy for each trip.

Annual cover policies only become viable once you travel more than two times a year.

What Type of Cover Do You Require?

Do you require standard travel insurance? Or, do you have special requirements? For example, those of you with medical issues will require specialist medical insurance. The type of insurance you need should inform where you buy your policy.

If you simply require standard cover, then you can make use of one of the many comparison websites. They will have the best deals for standard policies.

If you require specialist insurance, such as insurance for medical conditions, or travel insurance outside UK, then it’s better to speak directly with the insurance companies. They will be able to offer a tailored quote that will address all of your requirements. You should speak to several different insurance companies to make sure that you’re receiving a reasonable policy at a good price. You can play them off against each other to get the best deals.

Easy And Fast Travel Insurance

Most of us book our flight tickets at home online and travel insurance is now just as simple.

If you have tried to buy travel insurance and you are suffering with some serious illness such as cancer there are plenty of unhelpful sites to look at!

This Insurer offers special deals to people that often find it difficult to get a quote elsewhere and in particular those with HIV will appreciate the professional way their enquiry is looked at and generally accepted.

With hands-on experience and a thorough knowledge of the virus and stages of development or control, the Insurer will send a speedy quote for that overseas trip.

You do not need to be a UK citizen to obtain a quote in these circumstances as long as you live somewhere within Europe.

Think about how often you are likely to travel abroad over the next twelve months and if it is more than a couple of times a year it will almost certainly make sense to buy a multiple trip annual travel insurance policy.

It works out a lot cheaper than buying a new policy for individual trips and it also saves time.

It is surprising to discover that many big insurers do not offer online quotes for people over a certain age.
A brief look on the internet reveals many insurers do not have a box to tick for the over 65’s. With this insurer the box can be ticked for over 65, over 70 and even a box for over 80.

This and the special deals on ill people and even terminally ill people makes it a site to remember, especially if you have ageing parents and want to surprise them with a weekend in Paris along with peace of mind travel insurance.

When you hear some of the horror stories of people falling ill in some remote part of the world and the huge financial difficulties they faced without travel insurance it is obvious that no insurance is a risk not worth taking.