Travel Insurance Tips

It is hard to foresee when health is affected, but the risk is higher when we travel abroad visiting countries in different climates, with different diseases, and - even more importantly - different healthcare systems. That is why, when planning holidays abroad, you should also remember about medical travel insurance that covers all the expenses you may encounter when having troubles with your health. The travel insurance can provide coverage for medical expenses such as: the services of a physician, charges for drugs and medical supplies, emergency transportation and your stay in the hospital as well as costs of treatments, exams and tests. A good travel insurance policy will also provide trip cancelation coverage. It is a reimbursement for lost travel expenses if you have to cancel your trip (for example if you or your family member gets ill). You can also insure your luggage in case it is lost, damage or delayed. If you want to take some sports equipment, you should indicate it in advance as it will probably cost extra to insure. There is also an option to include missed connection in your policy to avoid additional expenses if you miss your flight.

If you are an adventurous traveler you may need to ask for a special policy. For example if you enjoy extreme skiing or snowboarding or you plan to scuba dive, you should make sure it is all covered. You may also need to pay additionally if you want treatment of pre-existing medical conditions to be included in your policy as well. When travelling abroad, especially to a country with different language, you should always have the number of 24/7 emergency assistance hotlines of your insurer. The operator will take care of arranging medical care or transportation, and handle the payment procedures. Last but not least, when arranging a trip for a group of people, you should ask for group travel insurance to get a discount.

The Iceland volcano eruption recently caused a lot of disruption to the travel plans of many of us. A large number of people made claims on their travel insurance policies. The claims were for being delayed in departing for their destination and missed connections as well as hotel accommodation they were not able to use. They made their claims assuming they were covered and would automatically get compensation. Sadly for them they received letters saying their claim had been declined. Naturally they were very angry. But people kept asking how could their insurance company not pay out? After all the volcanic ash had caused so much travel disruption for so many people. The insurance companies response was that the volcanic ash was not just a straightforward 'adverse weather condition' situation which would be covered under their policies. Under normal situations, if you are delayed, you are able to claim an amount for each group of hours you are delayed and if you are delayed for longer than 24 hours, you can opt to abandon your trip altogether. You will then be able to claim for the expenses which you cannot recover. These would be accommodation, car hire costs in the country you're visiting and so forth. The amount you can claim and receive in compensation is in the Cancellation section of your policy, which is £3,000 per person.

The key point to note here is that you need to have taken out your policy before any announcement was made that any airport to your were flying from or to was being closed or that the airspace you were going to be in was going to have a ban imposed on it. If the airline you are travelling with cancels or changes your flight, they are technically in breach of contract with you and they have to offer you a refund or find you an alternative flight. In addition if you've arrived at the airport and your flight is delayed and the airline is one from the European Union then, under European Union law, they are obliged to provide you with food and accommodation. A number of lessons can be taken from this. Insurance policies do not automatically cover every eventuality. Getting the right travel insurance cover is important and always make sure to get value for money do not just automatically opt for the cheapest. Always read your policy and make sure that all of those things important to you are covered satisfactorily.

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