There are a lot of misunderstandings related to travel insurance. It is understandable that most people are not as proficient in the details of such covers as I am - I can't say I blame them! However, many misunderstandings expose people to the risk of spending unnecessary money in areas where their policies may and should be covered.
Therefore, I have compiled this mini travel insurance FAQ to help those who have doubts, concerns or doubts about what they should look for.
Q: What should I do before I leave the country?
A: Please make sure you have checked the FCO travel advice for the country you are visiting. Check if you have enough money and your passport is up to date. You can copy your passport details and keep them in a safe place. Check which vaccinations and visas are needed. Write down the number and address of the British Embassy and Consulate in the country you are travelling to.
Q: Should I purchase travel insurance before the holidays?
A: I may be a bit prejudiced about this, but yes! It is very important that you buy enough travel insurance even on short trips or visits to Europe, and it is absolutely necessary in countries outside the EU, because in these countries, different conditions make it more likely to be sick. Medical expenses are also more difficult to obtain. It also includes cancellations when you book your itinerary.
If you travel to a country or a subset of countries that violate FCO recommendations, your insurer is unlikely to meet any claims. If your FCO advice changes after booking a holiday, please check with your tour operator and travel insurance company for this position.
Q: Should I pay attention to one-way travel or annual multi-trip travel insurance?
A: Only you can really answer this question - although a one-way trip [usually] is cheaper, it fits exactly what it says and only guarantees a trip. In contrast, annual multi-trip travel insurance will provide you with a variety of rest insurance for the whole year, and if you think you might travel so much, then it is your choice. You may find that traveling twice a year makes annual travel insurance more affordable than one-way travel!
Q: What are the reasons for cancellation to ensure insurance?
A: As long as your reasons are covered by the insurance coverage of your policy, you are entitled to claim insurance in most cases. The legal reasons for canceling a trip may include illness or death in the family [as defined by your policy], bad weather conditions for suspension of travel within 24 hours, burglary or house damage, the victims of your criminal attack cannot travel, are called Participate in emergency military service or jury duty [depending on the specific terms and conditions of the policy]. Similarly, if the hotel or resort you travel to [for an independent traveler] is hit by a terrorist attack a few days before your trip, you can usually apply.
Q: If I need to be hospitalized overseas or fly back to the UK, who pays?
A: If you have appropriate insurance, travel insurance companies should pay such fees. If not, the fee will be borne by you or your relatives and friends.
Q: Is the European Health Insurance Card [EHIC] the same as health insurance?
A: No. The free European Health Insurance Card [EHIC] indicates that holders have the right to enjoy relief or free emergency care within the EU. You still need travel insurance to ensure you get full coverage when you are sick or injured. The EHIC card can help you reduce your initial expenses and then you can get reimbursement from the insurance company.
Q: Is my original condition a big problem?
A: Generally speaking, yes. Check your policy wording to make sure it covers existing medical conditions. Unless you pay an extra premium, they are usually not insured. If you do not declare your terms when you purchase insurance, you will not be able to claim it. As always, the key recommendation here is to use a fine-toothed comb to check policy wording.
Q: How do I know if it is safe to travel to a particular country?
A: It is highly recommended that you review the FCO Travel Advice section of your website [fto.gov.uk]. This information is updated regularly and provides you with reliable advice on travel safety and insecurity [remember, areas that are officially outlined as "unsafe" are rarely covered by travel insurance policies].
Q: Is it safe to travel after an overseas terrorist attack?
A: Unfortunately, there is no such thing as risk-free travel, and the lack of advice on travel to a particular country does not mean that the FCO guarantees the security of that country or region.
I hope this travel insurance FAQ proves to be useful - it's just a real service, every policy is different, but with this advice, you should shop better and next time you need to buy travel insurance.
Orignal From: Travel insurance FAQ
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