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Travel insurance is something that can seem inconsequential when itsbought and as a result too many people take choosing a policy lightly.It is essential to do a bit of research yourself or seek some impartialadvice as to the specific protection and quality of the products youare considering.
One of the key factors in higher premiums isexisting medical conditions or history, because the risk of furtherproblems in that area is greater. But don’t be tempted to keep quietabout an issue which you might need treatment for in the future,because if the insurance company find out you have withheld the truththey are not obliged to cover the costs of your treatment.
Hereare five basic questions to ask about a travel insurance policy thatwill help you buy wisely. Hopefully they will ensure you stay safe andget the treatment you require in the event of an emergency.
1.Ask your provider exactly how payment works. Do you have to pay fortreatment yourself and claim it back? Or will the insurer set up a tab,as it were, for you at the institution treating you?
2. What isthe maximum amount youre covered for? Don’t underestimate the cost of along hospital stay. It is advised that you have at least £2,000,000.Many policies have up to £10,000,000.Travel insurance is something that can seem inconsequential when its bought and as a result too many people take choosing a policy lightly. It is essential to do a bit of research yourself or seek some impartial advice as to the specific protection and quality of the products you are considering. 3. What is the procedurefor informing your insurer that you have had an accident or problem?Sometimes you must inform them before receiving treatment fornon-emergency issues if you want them to foot the bill.
4. Notall medical treatment is covered. Dental is a prominent example. Whathappens if you need a dentist or other non-essential medical service?
5.In the event of a very serious injury where treatment in your homecountry is necessary, will your insurer pay for you to be airliftedhome? Or even from a remote region to one with a hospital? Particularlypertinent to more adventurous travellers.
etravelinsurance.co.uk offer great deals on student travel insurance including backpackers insurancewhich is especially designed to offer economical travel insurance coverfor backpackers, gap year students and anyone taking an extended tripabroad.
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