If you travel without insurance, it could leave you paying a hefty price if something were to go wrong.
Depending on the policy, travel insurance pays out in a wide range of circumstances.
The exact cover available will vary significantly between different insurers and policies. So it’s important to be familiar with the policy wording before you buy.
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We’ll get to know what cover you need and find the right policy for you.
What does travel insurance cover?
Travel insurance can cover various factors, and it’s important to check that you’re covered for the right dates, activities and eventualities that you care about.
- Medical emergencies
- Stolen baggage
- Lost passports during your trip
- Cancelled flights
You can also get covered for specialist activities, such as skiing or diving.
Typical examples of what is not covered in travel insurance?
- Change of mind
- Non-essential medical treatments
- Losing your passport before your trip
- Ravelling with an invalid passport or visa
- Accidents resulting from illegal activities
- Accidents resulting from alcohol consumption or drug use
Często zadawane pytania
Is a pre-existing medical condition covered under travel insurance?
Whether a pre-existing medical is covered or excluded will be down to the underwriter. It is usually excluded, but not always. If a policy doesn’t cover you, you may be able to get an exclusion waiver that covers flare-ups for pre-existing medical conditions while on your travels.
Do you need travel insurance?
While it’s not essential, it’s worth weighing up the costs that you’d lose out on should your trip be cancelled or cut short, or if you require medical treatment abroad.
What’s not covered under medical emergencies?
It’s important to be honest about your existing and pre-existing health conditions. Failure to declare information about your health, including any potential conditions that have yet to be diagnosed, could make your policy void if you need to make a claim. Medical tourism is also not covered, so if you’re getting plastic surgery or non-essential treatments, the costs can’t be claimed through insurance.
What factors affect the cost of travel insurance?
Declared medical conditions, your age, number of travellers, location, duration of the trip, and the amount of protection you want will all impact the cost of your travel insurance.
When should you buy travel insurance?
We recommend purchasing as soon as you’ve bought or booked your trip. This will ensure maximum access to your trip cancellation benefits. You’ll also be protected against natural disasters that affect your ability to travel to your destination. If you buy insurance after a natural disaster, such as a hurricane or volcanic eruption, you won’t be covered.
