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Travel insurance FAQs

Neglecting travel insurance could be a choice that you come to deeply regret. If you are travelling abroad for any reason, you should take out travel insurance. An emergency abroad can be very expensive. For example, the UK Foreign and Commonwealth Office state the following costs:

  • £35-45,000 - air ambulance from USA’s East coast
  • £12-16,000 - air ambulance from the Canary Islands
  • £15-20,000 - scheduled flight, stretcher and Doctor escort from Australia

Here we answer some travel insurance FAQs...

Travel insurance FAQs

What is travel insurance?

Travel insurance is a form of insurance cover that caters for medical expense and emergencies, the financial default of airlines or travel agents, and other expenses that may be incurred when travelling.

What should I be covered for when travelling?

Your travel insurance policy should cover:

  • Medical cover for an injury or sudden illness
  • Personal liability cover
  • Lost and stolen possessions cover
  • Cancellation and curtailment cover
  • 24 hour emergency service and assistance

If you are planning to ski, dive, jet ski, hike or partake in other such activities, ensure that your policy also covers these. Standard policies usually do not.

Can I cancel my trip for any reason and get my money back?

No - cancellation insurance only covers a specified number of reasons for cancellation, such as emergencies or sudden illness.

What is a pre-existing condition?

A pre-existing condition is commonly defined as a medical condition, disease or any other health problem that you know about before purchasing the insurance.

When should I buy travel insurance?

The best time to buy travel insurance is at the same time you book your travel. This means that you will be covered for cancellation right away.

What are common exclusions from travel insurance?

Always read the full terms and conditions of your policy for more details. Common exclusions include:

  • Drink or drug-related illnesses
  • Terrorism
  • Property when reasonable care is not taken to protect it

If you have a question not answered by our travel insurance FAQs, please contact your insurance provider for more information.

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