There is a lot of misunderstanding about travel insurance and most people understandably do not know the fine details of this type of cover as I do – I can not say blame for them! However, with many misconceptions, people are in jeopardy of unnecessary money in the areas where their policy can and should be.
So, I've compiled this mini travel insurance FAQ to help those who have doubts, concerns or questions about what to look for.
Q: What should I do before I go abroad?
A. Verify that you have checked the FCO Travel Advisory for the countries you've visited. Make sure you have enough money and your passport is up to date. Take a photocopy of passport details and keep it in a safe place. Check what kind of inoculation and visa you need. Describe the number and address of the UK Embassy and Consulate in the country you are traveling to.
Q: Do I want to travel to my freedom?
A. You might be a bit biased, but yes. It is imperative that you also make good travel insurance for short journeys or visits to Europe and is absolutely necessary in countries outside the EU where different conditions make the disease more likely and more affordable for healthcare that is more difficult. Book your stay with us and we'll do our best to get you started.
If you are traveling to a country or a country, it is unlikely that your insurance company will perform any claim against the FCO's advice. If FCO advice changes after your vacation check your position with the tour operator and the travel insurer.
Q: Do I need a one-time trip or multiple annual travel insurance?
A. You can only really answer – though one-off travel (usually) cheaper, exactly what you say and covers you on the one way. In contrast, the annual multiple travel insurance covers you through various breaks throughout the year, giving you a choice if you think you are likely to need so many trips. Perhaps you see that annually in two trips the annual multiple travel insurance is cheaper than the one-time travel form.
Q: What is the reason for deleting the cover?
A. As long as the cause is covered by the policy, it should in most cases be eligible. Reasons for cancellation of travel may include family illnesses or deaths (as defined in the policy), foreign weather conditions, suspension of 24 hours of travel, burglary or household damage, victim of a crime that causes medical treatment unable to travel, urgent military service or jury in accordance with the specific terms and conditions of the policy). Likewise, if a hotel or resort (independent travelers) who are visiting for a terrorist attack during the days preceding their trip, then we can generally say.
Q: Who pays if I have to be taken overseas to hospital or need to get back to the United Kingdom?
A. If you have the right cover, the travel insurer has to pay such fees. If not, the costs are yours or your relatives and friends.
Q: Is the European Health Insurance Card (EHIC) the same as health insurance?
No.: No. The European Health Insurance Card ( EHIC ) shows that the beneficiary is eligible only for reduced or free emergency care within the EU. You still need travel insurance to ensure that you are fully covered in case of illness or injury. The EHIC card, however, helps you by reducing your initial costs before reimbursing the insurer.
Q: Is my existing health status a big question?
A: Generally, Yes. Check the policy formulation to ensure that you cover existing health conditions. They are often not covered unless you pay a premium and if you do not publish your status when you buy the cover you will not be able to claim it. As always, the most important advice is to examine the policy formulation with a fine tooth comb.
Q: How do I know if it's safe to travel to a certain country?
We strongly advise you to check the FCO Travel Advice section of your website (fto.gov.uk). This information is regularly updated and provides firm advice on where and where it is unsafe to travel (remember that rarely occurring areas of "insecure" areas are seldom covered by travel insurance.)
safe to travel to overseas terrorist attacks after?
A: Unfortunately, there is no risk-free travel, and lack of advice on traveling to a particular country or territory does not mean that FCO guarantees security in this country or area.
I hope this travel insurance FAQ proved to be useful – it just scratched the service and each policy is different, but with this advice you have to be in better position, next time you have to buy travel insurance.
Source by Patrick Chong