Travel Insurance – The Safest Way to Travel

The only way to see different countries and to experience their cultures is to travel to the country itself and depending on where your destination is, it can mean traveling from one end to the other, right across the globe. And while being away from the security and comfort of your home, certain form of protection against any mishaps is essential. Therefore, travel insurance is the safest way to see the world…!

Insurance ensures peace of mind and sees to any unexpected problems arising from your trip. You have the assurance that everything will be taken care of while abroad and problems such as losing your luggage or falling sick will be promptly attended to. Other types of problems such as delayed and flight cancellation, sickness, loss of personal belongings, theft and even accidents are also covered. In other words, insurance guarantees a worry-free holiday. On your part, all you need is to have sufficient coverage. There are many insurance companies in the market, offering various types of insurance policies with affordable rates. Below is a list of comprehensive insurance packages designed to meet the different requirements of travelers:-

(1) Annual travel insurance
(2) Single trip insurance
(3) Business travel insurance
(4) Adventure travel insurance
(5) Backpacker travel insurance
(6) Ski travel insurance
(7) Pre-existing medical insurance
(8) Over 64 travel insurance

Besides the above mentioned packages, coverage for hijackings and personal liabilities is also available. Be careful when disclosing personal information. Ensure that all particulars are truthful without withholding any information, especially on health matters. Any discrepancy will seriously affect the terms of the policy. In the event that the plan does not cover certain areas which are important to you, you can always request for add-ons to be included into your policy. And if there are any queries or doubts, do not hesitate to ask for further clarifications.

When deciding on the right insurance, it is advisable to make comparison with other insurance companies to ensure that you are getting the best value for your money. You can either visit the insurance companies personally or if time is a constraint, you can check them out online. Remember not to rush into any decisions and take some time to seek out a insurance policy with maximum benefits that fits into your budget. Go for reputable and reliable insurance companies or online insurance provider as their services are generally better and more professional.

How to Apply For Travel Insurance For Pre-Existing Medical Condition the Correct Way

You do not have to let a pre-existing medical condition stop you from traveling. Many people with a similar situation are still able to take up travel insurance. However, you need to know how to apply for travel insurance properly, or you could end up forfeiting your insurance premiums.

This article provides useful tips on how to minimize the risk of losing out on your travel insurance premiums just because you didn’t know you have to disclose your medical condition at the time of purchase.

First, you need to understand what constitutes a pre-existing medical condition. If you have an illness or injury that has been ongoing within a specified time frame prior to applying for travel insurance, you have a pre-existing medical condition. The time period varies from insurer to insurer, and could range from months to even years for different conditions, so you’ll need to do some homework.

Any medical condition must be declared when applying for travel insurance. Read the pre-existing medical conditions exclusion of the insurance plan very carefully. The most common exclusions are for medical problems such as asthma, diabetes, cardiovascular problems (including hypertension), cerebrovascular problems (strokes and brain haemorrhages) and cancer.

If you travel with your family, make sure that every family member is insured. The pre-existing medical conditions of every family member insured should be declared separately.

Be sure to declare on your application form if

  • you are on regular medications for cholesterol, diabetes and high blood pressure
  • you are under review for any medical complication regardless of whether treatment or medication has been started or not
  • you have had any tests recently and have not yet received the all clear
  • you have been involved in any accident in the past twelve months
  • you have sustained injuries in the past twelve months

Pregnant women should be aware that most travel insurance plans do not cover claims made during the last few weeks of pregnancy and directly after birth.

Online application forms for medical travel insurance may not offer a comprehensive-enough checklist of questions. If you are in doubt as to whether you need to declare a medical condition, call or email the insurer to check. If you choose to call your insurer, be sure to note down the name of the staff who handled your enquiry. Any written response from the insurer should be properly filed in case you need it for reference later.

If you have had a medical condition before which has been fully controlled with medication without the need for further treatment throughout the time period, it may not require extra cover. Just get your doctor to write a letter, with his or her contact details to certify it. This will allow your insurer to get in touch with your doctor in case more information is required. This could avoid any unnecessary exclusion and save you a significant amount of insurance premium.

Buy your travel insurance directly from the insurance company, not from your tour operator. If the tour operator goes under, so does your policy. Ensure that you are medically fit to travel.

Finally, remember to apply for your travel cover at least three to four weeks before your trip. This will give you sufficient time to clarify any doubts that you may have concerning your pre-existing medical condition, and obtain the necessary supporting documentation from your doctors.

When you buy travel insurance for pre-existing medical condition, you are likely to face one of these three outcomes:

1) the insurance company accepts your application in full, but at a significantly higher premium

2) the insurance company will provide travel cover excluding your pre-existing medical condition

3) the insurance company will decline your application

Unless the insurance company completely declines your application, it is always best to make sure you are insured when traveling, even if the cover excludes your pre-existing medical condition, or additional premium is required.

This is because medical expenses incurred could easily spiral to more than ten thousand, or even more than a hundred thousand dollars, depending on the situation. Paying an insurance premium will give you the much-needed peace of mind when you travel.

Included Or Not? A Guide to Travel Insurance Extras

Being insured is essential for travel abroad, giving both peace of mind and cover if something goes wrong. While a worrying number of people (sometimes estimated to be as many as one in four) choose to go without travel insurance, the risk simply isn’t worth it – medical bills and cancellation costs for uninsured travellers can be enormous!

But while most people that holiday insurance is essential, it can get seriously confusing when different kinds of insurance seem to overlap. Does travel insurance cover you if you are driving abroad? What about the European Health Insurance card? Can Home Contents insurance cover your possessions when you travel?  Profiled below are a few of the common questions people have about different kinds of insurance, and how they affect each other.

Does my travel insurance cover me for driving abroad?

If you want to drive your own car abroad or hire a rental, your travel insurance won’t cover you. If you are taking your own car, you’ll have to make sure that your existing car insurance and breakdown cover gives you protection for trips abroad. Many car insurers only offer minimal insurance for foreign driving as a standard part of their policies, but will be able to upgrade your cover for a short time if you pay an additional premium.

If you are renting abroad, you’ll almost certainly have to buy insurance with the rental company before they’ll let you rent a car. Of course, it is worth carefully looking at all the insurance options that are presented to you – it may be tempting to go for the cheapest, but make sure you know exactly what you are getting for your money before you buy.

Does my Home Contents Insurance cover my possessions?

This depends. If you have Home Contents insurance and you have “all risks” included as part of the policy, it may well cover your possessions and valuables when you travel abroad. If this is the case, you will be able to waive the luggage and personal possessions cover on your travel insurance and reduce your premium. Make sure you check the small print carefully, however, and make sure that your Home Contents insurance gives you the level of insurance that you need.

Will my European Health Insurance Card cover my medical bills?

A lot of people believe that if they have a European Health Insurance Card, that they can skip out on buying holiday insurance. The EHIC only offers a discount on basic medical cover – it is no substitute for full medical cover available in travel insurance, and won’t provide all the other benefits that full holiday insurance offers, such as cover for possessions and compensation in the event of delay or cancellation.

With cheap travel insurance now widely available from dozens of online providers, getting insured for a good price is no longer a challenge, unless you are a high risk candidate or your circumstances are unusual. But is essential to know what it does and doesn’t cover you for, and what protection other forms of insurance, such as home contents and car insurance, offer you. This way, you know exactly what kind of travel insurance you need to buy, and you can be guaranteed the best possible deal.