Travel Insurance Tips Offered By Expert

A range of travel insurance tips have been suggested by an expert, the main one being to check exactly what is included in a policy.

A spokesperson for the Association of British Insurers (ABI) has advised that medical expenses are key elements to be included in any cover.

"Most policies will cover cancellations due to your illness [or] being made redundant but that will be clearly set out in the policy," he said.

Other cancellations such as for terrorist activity or war breaking out sometimes require the Foreign Office to deem it an "unsafe" destination.

A travel policy which covered everything would probably come at a price "nobody" would be able to afford, he added.

With fewer than 60 countries having reciprocal healthcare agreements with the UK travel insurance is vital. If you are going to an EU country having an EHIC can be helpful but cover varies from country to country, and this will not cover you for theft or relocation back to the UK.

Many travel agents try to sell insurance as part of the holiday deal, however, this may not always be in the customer’s best interests and it is well worth checking for yourself before signing on the dotted line.

Insurers say that they are becoming more sympathetic to people with medical conditions, but in practice it is not as simple. Some companies will refuse cover for people who have had heart attacks, suffer from epilepsy, cancer or who are terminally ill. If you have problems getting cover, you could try a support group which helps people with similar conditions.

Most travel insurers set an upper age limit of 70. Prices vary widely in this sector and specialist insurers such as Age Concern and Saga may not always be the cheapest.

Going online can get you many different quotes for your travel insurance. Make sure you check the small print and guarantee all the activities you are planning to do while away are covered.

If you would like to know more about travel insurance why not ask AnswerBank Insurance.