Travel insurance is one of the most important things to get right before your trip. You can find all sorts of policies, for any type of travel, any destination and any duration, to make sure you are always fully covered and protected should an incident take place. If you are not adequately covered, you could end up with huge bills at the end of your holiday, and that’s not something anybody wants to come back to!
Before you go, make sure you consider the following points:
- If you are a resident of the UK, UK national, part of an EEA state or a refugee resident in any of the above, you are entitled to an EHIC form. These are easily obtained from your local post office. This will allow you reduced or free cover in any of the EEA states. EEA states are as follows; Austria, Liechtenstein, Belgium, Lithuania, Bulgaria, Luxembourg, Cyprus, Malta, Czech Republic, Netherlands, Denmark, Norway, Estonia, Poland, Finland, Portugal, France, Romania, Germany, Slovakia, Greece, Slovenia, Hungary, Spain, Iceland, Sweden, Ireland, Switzerland, Italy, United Kingdom and Latvia. Even with an EHIC form, you will still need a valid insurance for the event of illness and death.
- Don’t go for the first policy you see! Have a shop around, look for the best deals and even haggle if you can to see if you can get more thrown into the offer for your money.
- If you have a pre existing medical condition, such as epilepsy or diabetes, or if you are pregnant, make sure you make this thoroughly clear when taking out your policy. Don’t hold any information back; be completely honest about your condition.
- Always read the small print.
- Make sure the insurance is adequate if you intend to take part in any sports or activities you would not ordinarily take part in at home, such as winter sports, or even sky diving.
- If your holiday destination is to a less developed country, make sure your insurance covers the costs of flying you home should you need important medical attention. Do not take risks to save a few pound.
- Always carry your insurance papers with you! After all, you never know when you might need them.
- Always carry your identity papers on you.
- If you are allergic to any medications, put a note to that effect in with your identity papers. Like wise, maybe you can jot a few notes of any medical conditions. After all, if you are unconscious or not in the right state of mind, you may not be able to give the doctor treating you much needed information.
Special Insurance Policies for Existing Medical Conditions
As stated above, it is paramount you have an adequate insurance policy if you have a pre existing medical condition. Sometimes finding a reputable company with affordable cover for your specific needs can be hard to find.
To help with your search, we have compiled a list of insurance companies who offer a range of cover for travellers with special insurance requirements for your information.
Age Concern Travel Insurance
Telephone: 0845 601 2234
Age Concern provides travel cover without any age limitations, making this an ideal choice for those of a certain age who haven’t lost their passion and zest for life.
JD Consultants Travel Insurance
Telephone: 020 8464 6636
JD Consultants provides a friendly insurance service for those travelling with any kind of disease or existing condition, so you can travel with complete peace of mind.
Telephone: 0845 338 1638
Travelbility offers travel insurance for the disabled and their carers. Travelbility is backed by AXA Insurance, and can be taken out for various destinations and durations.
All Clear Travel Insurance
Telephone: 0845 250 5200
AllClear covers almost any pre-existing medical conditions including diabetes, angina, arthritis, asthma, cancer, heart disease, high blood pressure, high cholesterol, epilepsy and stroke. This is the perfect choice for those who normally find it difficult to obtain a policy.